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Car accidents are a terrifying, all too frequent occurrence across the United States. They can cause serious, permanent, or even life-threatening or fatal injuries. If you have been injured in a car accident, you should be able to focus on recovering from your physical injuries. Unfortunately, your recovery may be made more difficult by the stress of financial burdens caused by the accident. We expect to be made whole or at least recompensed by insurance when we are involved in an accident caused by someone else. However, adding to the nightmare are uninsured motorists who may leave you with mounting medical bills without insurance coverage to pay for your damages.
If you or a loved one has been hit by an uninsured driver, you should immediately contact the car accident attorneys at Zinda Law Group at (800) 863-5312 for a free consultation. If we are not able to win your case, you will not owe us anything.
what is uninsured motorist coverage?
Many insurance companies offer uninsured motorist insurance, also known as Uninsured Motorist Bodily Injury (UMBI) insurance. This kind of insurance coverage will typically pay your medical expenses if you are injured in an accident caused by an uninsured driver.
Uninsured Motorist Insurance
Depending on the terms of your individual policy, it may also pay for any lost income you may have missed as a result of having to miss work because of the accident. Further, this insurance may also pay for the medical expenses of any passengers who were in your vehicle and injured in the accident. However, your uninsured motorist insurance policy will generally have a policy limit setting the total amount of compensation that you or any passengers may receive to pay for any medical expenses.
Uninsured Motorist Property Damage Coverage
Meanwhile, motorists may also be able to purchase coverage for vehicle damage. Uninsured motorist property damage coverage will generally pay to repair your vehicle after an accident. If your vehicle was totaled or unable to be repaired, your policy may instead pay you the fair market value of your vehicle to help you purchase a new vehicle, so long as the car’s value is less than your policy limits.
Meanwhile, this type of insurance coverage may also provide compensation for any property damage incurred aside from damage to your vehicle. For example, if the uninsured motorist crashed at your property, damaging a fence or mailbox, or hitting your home or parked vehicle, your policy may provide compensation for these types of property damage as well, up to your policy limits.
Underinsured Motorist Protection Coverage
Finally, you may also be able to purchase underinsured motorist protection from your auto insurance company. This coverage is generally purchased to cover the difference between the liability coverage that the at-fault driver does have and the full extent of your losses and damages. In many cases, minimum liability insurance requirements mandated in a state may not cover all of your medical expenses and damages you may have suffered in an accident. In such an event, underinsured motorist protection coverage should cover this difference, up to your policy limits.
common problems with uninsured motorist coverage
In the aftermath of an accident, it may be tempting to accept the first offer your insurer makes, as you may have mounting medical bills and be forced to miss work due to your injuries. However, you should not be too quick to accept this offer. Many insurers will offer a lowball amount in an attempt to quickly, and cheaply, settle a claim. Some insurers may even make an offer of compensation before you even know the full extent of your injuries and what they may cost you. An attorney may be able to help you determine what the accident has really cost you and may continue to cost you.
Knowing the full extent of your injuries and losses is crucial to ensuring your insurance company provides the compensation you are entitled to, up to your policy limits. Otherwise, your attorney may also help you file a bad faith insurance claim against your insurer for improperly denying, delaying, or underpaying your uninsured motorist claim.
Some examples of common problems drivers may have with insurance companies over their uninsured motorist insurance policies include:
- Undervaluing your claim
- Denying your claim outright
- Denying your claim without providing adequate or factual justification
- Failing to investigate your claim properly or thoroughly in a timely manner
- Misinterpreting your uninsured or underinsured motorist coverage
can i sue an uninsured motorist?
After your accident and after you realize the other driver does not have any insurance coverage to pay for your damages, you may be trying to figure out if you can sue the uninsured motorist. Even if you had some form of uninsured motorist coverage, your insurance company may have denied or underpaid your claim, still leaving you with significant financial burdens. However, by contacting an experienced uninsured motorists wreck attorney, you may be able to better understand your legal options. Your lawyer may help you determine whether you may be able to file a lawsuit against the uninsured driver.
what should i do after an accident with an uninsured driver?
After any accident, you may be unsure of your next steps in recovering from the accident as well as in pursuing compensation for any damages you may have suffered as a result of the accident, such as medical bills, vehicle damage, lost wages, and the pain and suffering caused by your injuries. If you have been involved in an accident caused by an uninsured motorist, you should generally follow these steps to pursue any compensation you may be entitled to for your losses and damages:
- Seek immediate medical attention for any potential injuries.
- Contact law enforcement to file a police report.
- Do not let the uninsured driver convince you to take any money before you talk to your lawyer.
- Swap contact information and vehicle details with the other driver even if they have no insurance information to give you.
- Gather as much documentation as you can from the scene of the accident, such as contact information for any witnesses, name and badge number of the responding law enforcement officer, make and model of the vehicles, any injuries you suffered, and pictures and videos of the vehicles involved as well as of the accident scene.
- Contact an experienced personal injury lawyer as soon as possible after your accident to discuss your legal options and to deal with your insurance company as well as the at-fault driver on your behalf.
personal injury lawyers near me
If you have an uninsured motorist policy, you may be able to file a claim with your insurance to help compensate you for your injuries and property damages. However, your insurer may be unwilling to provide the compensation you may be entitled to, despite the fact you pay your premiums for exactly this protection. Insurers often claim to care about protecting you and your family. Yet, at the end of the day, they are a for-profit corporation seeking to pay as little compensation as possible to accident victims. This goal means their bottom line will usually be their foremost concern rather than making you whole. Your insurer often may offer you far less compensation than you may be entitled to, knowing you may be struggling financially and therefore more willing to accept the insufficient offer.
Fortunately, the skilled lawyers near you at Zinda Law Group may be able to help you negotiate with the insurer for the compensation you may be entitled to, up to your policy limits. Your attorney may also help you file a personal injury lawsuit against the uninsured driver to cover any additional damages or losses you may have suffered that have not been compensated by your insurance coverage. In many cases, your insurance company may join in this lawsuit or file their own against the driver to recover the compensation that was paid to you under your uninsured motorist policy.
Navigating the legal intricacies involved in filing a claim and negotiating with insurers can be a difficult process, but the lawyers at Zinda Law Group are here to help you. If you have been hit by an uninsured driver, you should be focused on recovering from your injuries, not weighed down with a worrisome battle with your insurer. The attorneys at Zinda Law Group will have your best interest as their foremost priority, not the insurer’s profit margins. Our attorneys can take the burden and the hassle of dealing with insurers off your shoulders, and help you seek the compensation you may be entitled to.
how much may IS MY case worth?
Personal injury cases are composed of a variety of different factors, unique to every case. These factors will influence the amount of compensation you may be able pursue. You may be able to seek compensation for medical expenses, property damages, and missed work. Compensation for medical costs may include hospital stays, treatments, and medications. Property damage compensation may help to cover the cost to repair or replace your damaged vehicle. If your injuries have caused you to miss work, you may also be able to seek compensation for your lost wages.
Suing for Pain and Suffering
You may also seek compensation for the pain and suffering you have suffered as a result of the accident. This type of compensation is generally based on multiple subjective factors, such as how your injuries have impacted your quality of life. The severity of your injuries and how they have affected your daily life will also influence the amount of compensation available for your pain and suffering. Importantly, some states limit the amount of pain and suffering damages you may claim. Common examples of pain and suffering that may be eligible for compensation include:
- Loss of Appetite
- Sexual Dysfunction
- Post-Traumatic Stress Disorder (PTSD)
consult the uninsured motorists wreck attorneys at zinda law group today
Insurers have teams of lawyers with years of experience whose sole purpose is to prevent the insurer from paying out. Hiring an attorney can help you even the playing field. The experienced personal injury lawyers at Zinda Law Group may be able to provide you with the legal knowledge, skill, and experience to seek the maximum compensation you are entitled to from your insurer and from the uninsured driver. If your attorney files a personal injury lawsuit against the other driver and your case goes to trial, your attorney may be able to represent you in court as well.
At Zinda Law Group, we have an experienced team of car accident lawyers ready to help you seek the maximum compensation you may be entitled to after being injured in a car accident caused by an uninsured driver. Zinda Law Group may be able to help you pursue compensation by handling your insurance claim with your own insurer as well as by filing and handling any potential personal injury lawsuit against the uninsured motorist responsible for the accident and your damages.
Meetings with attorneys are available by appointment only.