Auto insurance is a requirement for every driver. Yet there are a frightening number of drivers who are carrying minimal insurance or no insurance at all. Getting involved in an accident with an uninsured motorist can leave you with medical and repair bills that will you leave you financially strained or bankrupt.
If you are involved in an accident with an uninsured motorist or a driver with less than sufficient coverage, you may be responsible for paying medical expenses and damages out of your own pocket. Even if the driver is carrying the minimum coverage, that may not be enough to cover the cost of damages and medical expenses.
Uninsured Motorist Coverage
Insurance companies offer Uninsured Motorist or Underinsured Motorist coverage to help protect drivers in these scenarios. This coverage will pay for pain and suffering, damages, medical expenses and lost wages. Insurance companies are required to offer you this coverage when purchasing a liability policy. This coverage may be optional, but it is recommended that you purchase it.
If the uninsured or underinsured motorist is responsible for the accident, the insurance company is obliged to apply the appropriate coverage. Making an uninsured motorist claim is unique in the fact that you are asking your own insurance company for benefits even though you were not at fault for the accident. In this case, your insurance company becomes your adversary rather than your advocate.
Unfortunately, most insurance companies are only interested in their bottom line and are often unwilling to pay the benefits you are entitled to. As your insurer, they have a responsibility to handle your claim fairly.
How an Uninsured Motorist Accidents Lawyer Can Help
Insurance companies can be difficult to deal with, especially if you attempt to make a claim yourself. Some companies employ tactics to wear claimants down in hopes they will just give in and accept their low-ball settlement. As a paying customer, you deserve the full compensation you are rightfully entitled to. The insurance company has a duty to oblige your claim if the uninsured motorist is at fault.
If you were injured in an auto accident with an uninsured motorist, you need to contact an experienced lawyer as soon as possible. You need to understand what your rights and options are. We are committed to protecting our client’s rights and can help you obtain fair compensation. Our lawyers understand how the claims process works. We have dealt with numerous uninsured motorist cases and have the expertise needed to help you win your claim.