Accidents can happen to anyone, at any time. But what happens when you’re involved in an accident with an uninsured or underinsured motorist? In these situations, having the right legal representation can make all the difference. At our law firm, we specialize in helping clients who have been injured in accidents involving uninsured or underinsured motorists.
What Does Uninsured or Underinsured Mean?
When you are involved in an accident with an uninsured or underinsured motorist, it means that the other driver either did not have insurance or did not have enough insurance to cover the damages resulting from the accident.
If you are injured in an accident with an uninsured or underinsured motorist, you will likely have to turn to your own insurance policy for coverage. However, insurance companies are not always eager to pay out on these types of claims. That’s where our experienced attorneys come in. We have helped countless clients get the compensation they deserve after being involved in an accident with an uninsured or underinsured motorist.
If you or a loved one has been injured in an accident with an uninsured or underinsured motorist, it is important to contact an attorney as soon as possible. We can help you navigate the complex process of filing a claim and getting the compensation you deserve.
Contact us today for a free consultation. We are here to help.
The Importance of Uninsured Motorist Coverage
One way to protect yourself in the event of an accident with an uninsured or underinsured motorist is to have uninsured motorist (UM) coverage on your own insurance policy. UM coverage can help cover the costs associated with an accident with a driver who does not have insurance.
Many states require drivers to carry UM coverage, but the amount of coverage required varies by state. It is important to review your insurance policy to see what types of coverage you have and how much coverage you have.
If you do not currently have UM coverage, we highly recommend that you add it to your policy. It can provide much-needed protection in the event of an accident with an uninsured or underinsured motorist.
Contact your insurance agent today to discuss adding UM coverage to your policy.
What Damages Can I Recover?
If you are injured in an accident with an uninsured or underinsured motorist, you may be entitled to recover damages for:
- Medical expenses
- Lost wages
- Pain and suffering
- Property damage
- Disability
It is important to work with an experienced attorney to determine the full extent of your damages and to ensure that you receive the compensation you deserve.
How Long Do I Have to File a Claim?
The timeframe for filing a claim after an accident with an uninsured or underinsured motorist varies by state. In most cases, you will have a limited amount of time to file a claim, so it is important to act quickly.
Contact an attorney as soon as possible after your accident to ensure that your claim is filed in a timely manner.
How Do I Prove Fault?
Proving fault in an accident with an uninsured or underinsured motorist can be challenging. It is important to gather as much evidence as possible, including witness statements, police reports, and photos of the accident scene and damage to the vehicles.
An experienced attorney can help you gather and present this evidence in order to prove fault and get the compensation you deserve.
What If the Other Driver Is Unidentified?
If the driver who caused your accident is unidentified, you may still be able to recover compensation through your own insurance policy. This is known as uninsured motorist property damage (UMPD) coverage.
UMPD coverage can help cover the costs associated with damage to your vehicle caused by an uninsured driver. However, it is important to review your insurance policy to see what types of coverage you have and how much coverage you have.
Can I Afford an Attorney?
At our law firm, we believe that everyone deserves access to quality legal representation, regardless of their financial situation. That’s why we offer our services on a contingency fee basis.
This means that we only get paid if we win your case. If we do not win, you do not owe us anything.
Contact us today for a free consultation to discuss your case and learn more about our fee structure.
FAQs
What is uninsured motorist coverage?
Uninsured motorist coverage is a type of insurance that provides coverage if you are involved in an accident with an uninsured driver.
What is underinsured motorist coverage?
Underinsured motorist coverage provides coverage if you are involved in an accident with a driver who does not have enough insurance to cover the damages resulting from the accident.
What damages can I recover in an accident with an uninsured or underinsured motorist?
You may be able to recover damages for medical expenses, lost wages, pain and suffering, property damage, and disability.
What if I don’t have uninsured motorist coverage?
If you do not have uninsured motorist coverage, you may still be able to recover compensation through your own insurance policy, depending on the type of coverage you have.
How long do I have to file a claim?
The timeframe for filing a claim after an accident with an uninsured or underinsured motorist varies by state. It is important to act quickly to ensure that your claim is filed in a timely manner.
Conclusion
Being involved in an accident with an uninsured or underinsured motorist can be a frustrating and overwhelming experience. But you don’t have to go through it alone. Our experienced attorneys are here to help you navigate the complex legal process and get the compensation you deserve.
If you or a loved one has been injured in an accident with an uninsured or underinsured motorist, contact us today for a free consultation. We are here to help.
