The thought of making a claim (or suing!) to collect from a family member is daunting. Working with experienced attorneys in negotiating with insurance companies can ensure the process goes smoothly. It’s important to understand that your claim is with the insurance company, not the policyholder. Unless Grandma was driving the car that hit you, suing her is probably not necessary. However, you will need to explain to her why you are making a claim on her insurance. It’s important to make clear that using your resident relative’s uninsured motorist coverage will not affect their insurance rates since they (the policyholder) were not at fault for the accident. Remember also that uninsured motorist coverage is designed for this scenario.