Our Uninsured Motorist Accident Lawyers Help You Win

Kats, Jamison & Associates have fought for injured individuals as a result of somebody else’s fault for over 33 years. We provide free legal consultation to determine the value of your case.

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Real Automobile Accident Cases Won

$10,000,000 SETTLEMENT

For a 9 year old Northeast Philadelphia boy who suffered traumatic brain injuries after being hit by a truck as he crossed the street.

$3.5 MILLION AWARD

From a Chester County jury to a nurse and mother of two after she was seriously injured when she was rear-ended by a National waste disposal truck.

$1,055,000 SETTLEMENT 

Settled in 7 months for responsible party’s policy limits and under-insured motorist policy limits

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Real Car Accident Stories

Why Choose Philly Lawyers

How We Help You Win
We will review your car accident case thoroughly.
We will investigate all evidence regarding the cause of the accident.
We will interview witnesses and experts if necessary.
We will work to ensure that victims and their families receive the maximum settlement.

Buck County Uninsured Accident Attorney

The Bucks County, Pennsylvania and New Jersey uninsured motorist insurance lawyers at Kats, Jamison & Associates understand that being in a car accident is a stressful enough experience. It can become even more stressful when you find yourself involved in an accident with an uninsured driver. If you are involved in an accident with an uninsured driver, you will not be able to recover money from their insurance since they do not have any. You may be able to recover compensation through your own insurance company, as long as your policy includes uninsured motorist insurance protection.

Time is of the essence. You will need the Law Office of Kats & Associates to file the claim within a matter of weeks. Make sure to consult an attorney as soon as possible to protect all of your legal rights.

How Uninsured Motorist Claims Work

Uninsured motorist cases start with proving that the other motorist has no insurance or the accident was a hit-and-run. In addition, you must prove that the other driver was at fault. You must also prove how much the accident cost you. At Law Office of Kats & Associates, we will conduct a thorough investigation into all of these matters to ensure that you recover compensation for all of the money to which you are entitled through your uninsured motorist claim.

Uninsured motorist (UM) cases are tried depending upon your insurance policy. While some uninsured motorist cases are held in a regular courtroom before your local court of common pleas, most uninsured motorist cases are not tried in court. They take place before a panel of three arbitrators, three independent hired to settle the dispute. One is chosen by the insurance company, one chosen by your attorney on your behalf, and a third chosen by the other two arbitrators. The attorneys at the Law Office of Kats, Jamison & Associates have worked with many arbitrators throughout their legal careers and know how to pick the best arbitrator for your particular case. The three arbitrators listen to the facts of your case and together they reach a decision based upon that evidence.

Underinsured Motorist Claims

Claims filed against the at-fault driver with insurance are called third-party claims. On the other hand, claims for uninsured or underinsured drivers are typically referred to as first-party claims. d plaintiffs routinely bring these claims after car accidents looking to gain some financial help for the damages from the at-fault driver’s insurance. In first-party claims, injured car accident victims essentially bring claims—or file lawsuits—against their own insurance companies. Thus, the accident victim’s own insurance company is a defendant in the lawsuit, and the lawsuit is based upon a breach of contract rather than upon negligence.

Underinsured motorist coverage may apply in cases where the costs of the accident victim’s medical treatments, injuries, and damages exceed the at-fault driver’s policy limits. In that case, the at-fault driver is deemed “underinsured.”

To make an underinsured motorist (UIM) claim against your own insurance company, you must first exhaust all other applicable insurance policies of the defendant’s insurance. For example, if the driver who caused your accident had a $30,000 liability insurance policy and you, the injured accident victim, have a UM/UIM insurance policy with a policy limit of $100,000, then you must first exhaust the $30,000 liability policy before turning to your $100,000 UM/UIM policy.

First-Party Bad Faith Claims Against Insurance Companies

A legal contract, such as an insurance policy, contains terms and conditions by with the driver and the insurance agree to abide. When an individual signs up for insurance coverage and signs the policy, the insurance agrees to provide compensation in unexpected situations, such as car accidents.

A first-party bad faith insurance claim is a breach of contract. In other words, in a first party bad faith claim, the covered individual—or the injured car accident victim — claimed that the insurance company did not comply with the insurance policy’s agreement and refused to pay an insurance claim, or paid out less than it should have. There are no real limits on a bad faith insurance claim, even in cases where the claim’s value exceeds the UM or UIM policies maximum limits of liability.

If you feel that you have a bad-faith insurance claim emerge from the injuries and damages you sustained in a Pennsylvania or New Jersey car accident, the knowledgeable lawyers at Law Offices of Kats & Associates may assist you with your case. Our experienced lawyers are knowledgeable with the arguments commonly raised by insurance adjusters when they deny claims or refuse to pay or defend them. Our lawyers can review the facts and may challenge an insurance adjuster’s decision in your case.

Assessing Good Faith and Bath Faith When It Comes To Uninsured and Underinsured Motorist Claims

Uninsured and underinsured motorist coverage can range from as little as $30,000 to millions of dollars. In virtually every car accident case involving a uninsured and underinsured motorist, your insurance company has an implied duty to do the following: evaluate your claim in a fair and honest manner, and settle any claims that have been filed if it does not exceed the limits of the policy.

In an uninsured or underinsured motorist case, bad faith on the part of your insurance company may include one or more of the following:

  • Denying a claim outright or failing to settle a claim that clearly falls within the insurance policy’s applicable limits
  • Failing to give a reasonable basis for denying or limiting coverage
  • Failing to take prompt action to investigate a claim
  • Failing to properly investigate or a defend a claim for insurance coverage
  • Using deceptive insurance practices when denying an UM or UIM claim
  • Misrepresenting the terms of coverage or engaging in other misrepresentations in order to deny coverage
  • Improperly undervaluing an insurance claim
  • Offering a disproportionately low amount of money to settle an UM or UIM claim, which is insufficient to compensate an accident victim for the personal injuries and damages caused by the accident

Contact a Pennsylvania or New Jersey Uninsured Motorist Claim Lawyer at Kats, Jamison & Associates Today For a Free Initial Consultation and Case Evaluation

Insurance companies improperly deny and refuse to pay valid insurance claims all the time. When this happens, you need experienced legal representation throughout your case.

Uninsured and underinsured motorist cases are complex and require attorneys who understand how to aggressively represent their clients. At The Law Office of Kats & Associates, our Pennsylvania and New Jersey personal injury attorneys investigate every claim so that we may aggressively and zealously represent our clients and obtain the best possible results.

When you need a Pennsylvania or New Jersey personal injury attorney to represent you, a family member, or friend with an uninsured or underinsured motorist claim, call The Law Office of Kats & Associates at 215-396-9001 or contact us online. We represent every client zealously to obtain the best results possible in each case.

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Frequently Asked Questions

We understand when the injury occurs, you are scared and need immediate help. Here are the answers to some of the questions we hope are helpful to you.
If you come to us, we have all the answers for when you are injured in any type of accident.

Free case evaluation

Philly Lawyers offers free case reviews so that you can better understand your legal options. This means you pay nothing for your first consultation. Additionally, Kats, Jamison & Associates works on a contingency fee basis meaning that if you do choose to hire us, you pay us nothing unless and until we win your case.
Call the police and make sure an ambulance is sent as soon as possible. Make sure everyone involved in the accident is conscious and responsive. Stay at the scene even if the accident isn’t serious, the police should be called regardless and a police report should be filed. It is important when speaking to the police that you stick to the facts, do not speculate, and most importantly do not admit any fault. Make sure you take as many pictures as you can with your cell phone. Also, we suggest taking a picture of the other person’s license plate, their drivers license, and insurance information. The pictures should document any damage that is caused by both vehicles. Seek medical attention as soon as possible if injured, even if you do not feel any pain, you may be in a state of shock and could experience medical issues later on.
After a car accident, it is important to collect as much information as possible. Document the names, addresses, license plates of any other vehicle involved in the accident. Either document the weather conditions at the time of the accident or take pictures of the scene surrounding the accident. If you believe that road maintenance or lack thereof was a factor in the accident – it is important to document this as well. After your immediate medical injuries have been taken into account, it is then time to speak with a lawyer immediately. The sooner you contact a lawyer, the more time you will have to successfully prepare a personal injury case. The team at Kats, Jamison & Associates will analyze your car/motorcycle accident and determine whether or not you have a claim. Through this process we will make sure to protect your rights and guard you from predatory insurance company practices.
If you are experiencing pain, injury, or financial damages as a result of someone else’s negligence. You may have a personal injury case. If the other driver was at fault or failed to follow the legal rules of the road – our car accident attorneys may be able to prove that the other party is liable for those damages. For example, if you were rear-ended in a car accident, typically the other driver is responsible for that accident and the insurance company could be liable for any damages
Within the first few days, you will receive communications from both your insurance company and the other driver’s insurance company. You may be contacted by your health insurance company, doctors, and even attorneys. The other driver’s insurance company may request that you sign medical authorizations so they can retrieve your medical records. Before you speak to any of these people or sign any documents, it is important that you seek legal counsel.
You may have a difficult time paying for your medical expenses, even if you have health insurance. Make sure to bill any treatment as you normally would through your healthcare provider. Additionally, you may have medical payment coverage under your car insurance plan. This could be used to cover your co-pays and other medical expenses that your health insurance company may not cover initially.
This is a difficult question to answer because it depends on many factors. If we are successful in proving that the other party is liable for your injuries and damages, you could be compensated for medical bills and any other hospital costs, lost wages, costs of rehabilitation and physical therapy, disability or disfigurement, pain and suffering, wrongful death, including loss of financial support and any other out of pocket expense that was related to your accident.
Depending on the severity of your injuries and the length of time you need to heal from your injuries will determine the length of your claim. We also have to factor in the willingness of the other party to settle as they make their initial offer. If unreasonable offers are made, your claim may proceed to trial, which will increase the length of your claim.
At Kats, Jamison & Associates all personal injury accident cases are handled on a contingency-fee-basis. This means that we will never charge you upfront for any cost and we will advance all costs and expenses. You will not have to reimburse our Firm for any costs unless we are successful. You will pay absolutely nothing for lawyers’ fees unless we win a monetary sum in your case.

Our Greater Philadelphia Law Firm Has Won Many Accolades For Northeast Philadelphia, Bucks County And Montgomery County