If you and your attorney establish that your personal insurance policy covers your injury, your car accident attorney can initiate a claim under that policy. Typically, this involves submitting a demand to the insurance carrier presenting the claim's details and supporting documentation of incurred expenses.
Similar to third-party insurance claims, your insurance provider has several options.
They can:
Approve the claim as submitted
Deny it with a notification of the reasons
Propose a settlement
If they choose the last option, your attorney will communicate with the insurance adjuster to negotiate a settlement offer that appropriately compensates you for your expenses.
In the case of uninsured motorist claims, your insurance provider will conduct an investigation and may independently file a lawsuit against the uninsured driver to recover the expenses paid out for your claim. This legal process is known as subrogation.
Your insurance company will handle this process, so you won't need to worry about it. However, having an attorney representing your interests is still the best move.