If you should ever have the misfortune of being involved in an automobile accident, you may face many challenges in its aftermath. If the accident was caused by another motorist who is properly insured, then his or her coverage should pay for medical bills and other damages. However, if the responsible driver was not insured, then it could fall on you to pay what could be very costly expenses.
This is why having uninsured/underinsured motorist coverage can be very beneficial. Ideally, when you file a claim under this coverage, your insurance company will honor your policy's conditions and pay you accordingly. However, it is important to remember that there are factors that could affect your ability to collect on what you believe is a legitimate claim.
For one thing, realize that an insurance policy is a kind of contract and as such the terms should be explicitly written. But often a policy's terms may be up for debate. An insurance company's interpretation of the terms could be used to deny a claim. An insurance company could also use their interpretation of state laws or prior court cases as the basis for a claim denial.
If you should have trouble getting the money you are due from an insurance company who does not want to honor you uninsured/underinsured motorist coverage, then you may want to enlist the services of a Montana personal injury attorney.
First, simply having an experienced attorney can motivate an insurance company to make good on its promises to avoid litigation. Also, an attorney can go over the terms of your policy and may be able to clearly demonstrate why your claim should be paid. But if the company still refuses to pay, the attorney could help you file a suit so can have the case settled in a court of law.