Why is my insurer stalling my Pocatello hit-and-run UM claim?

Q: Why is my insurer stalling my Pocatello hit-and-run UM claim?

Because the police report says "unknown driver," but what matters is whether your policy treats the crash as an uninsured motorist claim and whether you gave the insurer what it needs before it can lowball or deny you. That delay is often a strategy, not confusion. In Pocatello, the report may come from Pocatello Police Department or Idaho State Police and it may list no plate, no identified driver, or just "vehicle fled scene." Insurers love acting like that kills the claim. It does not automatically kill it. In Idaho, a hit-and-run driver is often handled under UM coverage if your policy includes it. Many Idaho policies do, unless it was rejected in writing. The trap is this: they ask for "more investigation" while the clock runs and your family gets desperate. What they usually want is proof on these points: Prompt notice to police and your insurer Physical contact if your policy requires it for hit-and-run UM Evidence the other vehicle caused the crash, even without a plate Medical records tying the injuries to this wreck, not some old problem Idaho's minimum liability limits are only $25,000 per person, $50,000 per accident, and $15,000 property damage. Even when the other driver is found, those are bare-minimum numbers and they disappear fast in spring and summer motorcycle or bike crashes. If the driver has no insurance or too little, that is where UM/UIM is supposed to step in. Do not let the insurer pretend the police report decides everything. It doesn't. Witness names, 911 audio, body-cam, scene photos, traffic-camera requests, bike or helmet damage, and ER notes matter more than a report that says "driver unknown." And do not sit on it. Idaho's injury lawsuit deadline is usually 2 years. Your policy's notice deadline can be much shorter. The insurer knows that. That is one reason the stalling starts.

Question

Accepted Answer

Because the police report says &#34;unknown driver,&#34; but what matters is whether your policy treats the crash as an uninsured motorist claim and whether you gave the insurer what it needs before it can lowball or deny you. That delay is often a strategy, not confusion. In Pocatello, the report may come from Pocatello Police Department or Idaho State Police and it may list no plate, no identified driver, or just &#34;vehicle fled scene.&#34; Insurers love acting like that kills the claim. It does not automatically kill it. In Idaho, a hit-and-run driver is often handled under UM coverage if your policy includes it. Many Idaho policies do, unless it was rejected in writing. The trap is this: they ask for &#34;more investigation&#34; while the clock runs and your family gets desperate. What they usually want is proof on these points: Prompt notice to police and your insurer Physical contact if your policy requires it for hit-and-run UM Evidence the other vehicle caused the crash, even without a plate Medical records tying the injuries to this wreck, not some old problem Idaho's minimum liability limits are only $25,000 per person, $50,000 per accident, and $15,000 property damage. Even when the other driver is found, those are bare-minimum numbers and they disappear fast in spring and summer motorcycle or bike crashes. If the driver has no insurance or too little, that is where UM/UIM is supposed to step in. Do not let the insurer pretend the police report decides everything. It doesn't. Witness names, 911 audio, body-cam, scene photos, traffic-camera requests, bike or helmet damage, and ER notes matter more than a report that says &#34;driver unknown.&#34; And do not sit on it. Idaho's injury lawsuit deadline is usually 2 years. Your policy's notice deadline can be much shorter. The insurer knows that. That is one reason the stalling starts.