Auto Insurance Claims/UIM

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Expert: - 5/21/2009


Question
Hello,

I know I can use my UIM benefit as a pedestrian however, can I use my employer's UIM also?  I was hit by the car during my lunch break and all my medical bills are being covered under worker's comp.  My insurance told me that I probably won't need my UIM however, I want to be on the safe side.

Thanks

Answer
Hi Daniel,

Since this is being considered a "work related" injury and is being covered by workers comp, you would not be able to collect from your employers UIM coverage. The employers liability is limited when it is a workers comp claim.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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