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Are You Eligible For A Resident Relative Motorist Coverage?

Do you want to know if you’re eligible for a resident relative motorist coverage? It’s always best to consult with a lawyer in regards to this matter. Contact Malloy Law Offices, LLC today!

Many personal injury law firms get calls all the time about people who were involved in an auto accident. Usually, they’re a passenger or a pedestrian, or a biker and they’re involved in an auto accident and they don’t have automobile insurance. It turns out, the person who struck them wasn’t just a bad driver, they’re also an irresponsible driver because the person who struck them does not have automobile insurance either. So, there’s no automobile insurance. Does this mean this is the end of the road and the injured party is just out of luck?

What Is A Resident Relative Motorist Coverage?

The answer to this is, not necessarily. In most insurance agreements, In Maryland, D.C. and Virginia, there is what is called uninsured motorist coverage. But, if you don’t have insurance, there is a possibility to make a claim under a resident relative uninsured motorist coverage. Here is an example for this:

  • A teenager or a 20-year old college student lives at home with their mother and father. The college student or teenager gets injured, they don’t drive, they don’t have automobile insurance. But they are a resident relative and they live with their parents. In addition, their parents have auto insurance and they have uninsured motorist coverage. If that child wasn’t the driver, they could make a claim under their parents’ uninsured motorist coverage as a resident relative. So think about it this way, to be a resident, you have to live with the person in the household with them and they have to be a relative. Father, mother, sibling. There has also been successful cases where it’s a cousin or a nephew.

How Can Malloy Law Offices, LLC Help?

So, it’s important to talk to a lawyer because you think that it’s the end of the road and you’re just out of luck. But a good lawyer can sniff out any possible insurance coverage that might be out there and they’re going to really take a close look at the claim and figure out if you might be covered under somebody’s uninsured motorist coverage as a resident relative. It’s a very intact intensive question. Another thing about coverage as a resident relative, insurance companies hate it.

Insurance companies take a close look at it and oftentimes, they’ll sign a special investigator of the insurance company. Moreover, this investigator will have a list of questions to the lawyer. They also might want a statement under oath which they’re entitled to. There are a lot of ways to make mistakes. Even if you’re perfectly eligible to make a claim under this policy, there’s a lot of ways to mess up your claim. Discuss your potential claim with a lawyer if you think you might be a resident relative and might have to make a claim under a resident relative’s uninsured motorist coverage. To see more on how our attorneys handle these cases, click here. Call (888) 607-8690 for a free consultation.