Uninsured Motorist Accident Lawyers
CALL (800) 863 5312 TO SPEAK WITH A UNINSURED MOTORIST ACCIDENT ATTORNEY TODAY
Car accidents are an unfortunate but inevitable part of being a driver on today’s roadways. If you or anyone you know has ever been involved in a motor vehicle accident then you probably know that getting compensated for your injuries and/or damage depends on the liability limits within your specific insurance policy. If the accident wasn’t your fault and was caused by another driver, then the other driver’s insurance policy will pay for your injured and/or damage to the extent of their liability limits. However, unfortunately, sometimes you or the other driver don’t have enough insurance to cover the costs of what needs to be paid for as the result of an accident. In the event that this is the case, then Uninsured Motorist Coverage (“UM/UIM”) may come into play.
If you or someone you know has been involved in a motor vehicle accident, don’t suffer through the process of dealing with insurance companies and filing a claim all by yourself. Take the time to reach out to an experienced attorney in order to have someone fighting for you and your best interests and help you seek the maximum compensation you may be entitled to. Our attorneys at Zinda Law Group may be able to help.
WHAT TO DO WHEN AN UNINSURED MOTORIST HITS YOU
Follow these simple steps to set yourself up for a potentially successful claim after you have been hit by an uninsured motorist:
1. Seek Medical Attention
After an accident, the first and most important thing you should do is seek medical attention for any injuries. You can’t get to work fighting for the compensation you may be entitled to until you make sure that you are healthy and well. Even when you don’t feel like you are severely injured, it is important to seek evaluation and opinion from a medical professional. Some injuries are not always readily apparent. Moreover, obtaining an evaluation from a medical professional and keeping organized medical records can serve as an important piece of evidence for your uninsured motorist claim.
2. Contact the Police
Always contact the police after being involved in an accident. Responsible drivers, especially those without adequate insurance, may try to convince you to handle the situation without getting the police involved. Don’t let yourself fall for this trap. It is essential that you contact the police when you are able so that you can obtain an official police report on the accident.
3. Talk to your insurance
Always reach out promptly to your insurance provider and the insurance provider of the other party in order to check and see if a claim has been opened. If it hasn’t, open one yourself. An attorney can help you with this process if you would like them to. The most important thing to remember is not to offer up any more information to the insurance companies than is necessary to get your claim started. You don’t want to make a statement that could affect your ability to seek maximum compensation.
4. Contact an Attorney
Collecting damages from an uninsured motorist can be next to impossible in a lot of situations. You can make the process easier on yourself by contacting an experienced attorney to help you navigate the complicated world of insurance claims. An attorney can help you organize evidence, file a claim, negotiate with the relevant parties, and help you make a decision on potential settlement offers. Our attorneys at Zinda Law Group may be able to help.
UNINSURED MOTORIST COVERAGE
Pretty frequently, drivers won’t have enough insurance coverage to cover the cost of your injuries or property damages resulting from a motor vehicle accident. However, if you or the other driver carries uninsured motorist coverage, then this may help pay and cover your expenses from an accident. This type of insurance coverage can cover your expenses if they were caused by another driver who didn’t have any insurance at all.
In this case, the UM/UIM coverage would need to be included in your policy to cover the loss. Additionally, uninsured motorist coverage may cover you where the other motorist who hit you simply didn’t have enough coverage to cover the extent of your costs. In such instances, they are referred to as an underinsured driver. Most importantly, UM/UIM converge can come to the rescue in the event of a hit and run where you don’t know who the other driver was and you have no access to their information.
It is important to note that some states require you to have uninsured motorist coverage while others do not. The Connecticut Office of Legislative Research has published a comprehensive list of the insurance requirements by state, including UM/UIM coverage.
What Happens If I Don’t Have Uninsured Motorist Coverage?
Research from the Insurance Research Council has shown that the state of the economy has a direct result on whether or not people purchase uninsured motorist policies when their states don’t already require them to do so. When times are good, more people tend to opt in for coverage. In the alternative, when times are tough, drivers may opt to forgo this type of coverage.
If you don’t have UM/UIM coverage then you may be setting yourself up for significant loss in compensation in the case of a bad accident. The harsh reality is that many motorists are on the roadways without adequate insurance. Some don’t have any altogether. You can’t control what other people do, but you can make sure that you protect yourself. Save yourself trouble in the long-run and opt to make sure you have UM coverage. If someone hits you and causes damage that their insurance can’t cover and you don’t have the coverage for yourself either, then there aren’t a lot of additional avenues for relief.
Uninsured Motorist Accident Claims
The biggest difference between filing a claim with an insured motorist and filing a claim against an uninsured motorist or underinsured motorist is to act quickly. In a normal situation you may be afforded some more time, but in the situation of UM/UIM coverage there can often be a time limit in which to file a claim for potential compensation. In some instances, a policyholder may have as little as 30 days to discover the need for the claim.
Check with your insurance provider to know the details of your coverage.
DO I NEED A LAWYER FOR AN UNINSURED MOTORIST CLAIM?
You don’t need a lawyer to file an uninsured motorist claim, but if you want to file a claim or don’t have UIM coverage, then an attorney is strongly recommended in order to help you seek the maximum compensation you may be entitled to.
Attorneys can play an important role in negotiating properly with insurance companies. At the end of the day, all insurance companies are running a business and their profits depend on paying you as little as possible. Having an attorney fighting for you can help to ensure that you don’t get swindled into accepting low-ball offers and other unsatisfactory outcomes for your claim.
Uninsured Motorist Compensation
Uninsured motorist coverage is intended to cover the cost of medical bills, lost wages, property damage, and other economic damages.
These are the things that are easily quantifiable and can be proven with bills, pay stubs, and other documentation to prove loss. However, uninsured motorist coverage may also cover you for non-economic damages. This includes pain and suffering and loss of enjoyment of life that may have resulted from your accident. Additionally, UM/UIM coverage will cover anyone else who was riding in your vehicle at the time of the accident. This may include you, friends, family members, or even someone who was driving your vehicle with your permission.
Always remember that every state has something called a statute of limitations. The statute of limitations is a legal time limit in which you are permissibly allowed to file a claim for potential compensation. Check to see what your state laws have to say about automobile accidents. This can be done with a simple internet search.
GET HELP FROM ZINDA LAW GROUP
An experienced attorney from Zinda Law Group may fight to help you seek maximum compensation for your injuries after an accident. The car accident attorneys at Zinda Law Group have worked with uninsured motorist claims before and are happy to speak with you today for a 100% free case evaluation to discuss your claim: call us today at (800) 863-5312. If we don't win your case, you won't owe us anything.
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