Being hit by an uninsured driver is not only a dangerous situation for drivers, but it can also prove a massive headache and frustration if you need to claim compensation for personal injuries and damages.

For the survivors of car accidents, the long-term costs for medical treatment can reach hundreds of thousands, if not millions, of dollars over the course of a lifetime. If you are involved in an accident with an uninsured driver or one who has only the minimum liability coverage of $25,000, you will need expert advice to help you to determine how to go about claiming the compensation you deserve.

Uninsured Motorist Coverage

Uninsured Motorist Accident LawyerThere tend to be two major challenges which come with a crash involving an uninsured motorist:

  • Your insurance company will turn against you, attempting to minimize or deny any personal injury claims you may be legitimately entitled. You will be told that you have no way of recovering damages due to a lack of uninsured or underinsured motorist coverage as part of your insurance.
  • This last aspect is not mandatory in most states but can prove a huge help in situations like this. It allows you to file a claim under your insurance policy, even if the other driver involved has inadequate insurance or no insurance at all.

Uninsured motorist coverage will kick in if the other party has absolutely no insurance, and can provide financial compensation for any losses or damages up to the limits of the policy. Underinsured motorist coverage will be activated where the insurance policy of the other driver is insufficient to meet the full extent of any damages. You may also be able to claim on the underinsured motorist coverage once you have exhausted the insurance of the driver deemed to be at fault.

Another option is PIP insurance. This stands for Personal Injury Insurance and is a no-fault policy which can be used even if you are at fault for causing the crash. Although you will get a payout regardless of who was at fault, you will need to prove that the accident was caused by the other party before you can receive the full coverage for any medical expenses which occur as a direct result of the crash.

Uninsured Motorist Accident Lawyer: What Can I Do?

Dealing with uninsured drivers is challenging, but that doesn’t mean that you shouldn’t try and claim the compensation which is owed to you in the event of an incident. The best course of action is to seek the services of an uninsured motorist lawyer.

Our professionals will be able to help you gather and compile evidence, deal with insurance companies, and do everything they can to provide a fair outcome which sees you adequately compensated for any expenses which may have occurred.

While proving fault and acquiring compensation for accidents involving uninsured drivers is hard, it is not impossible. With the right tools and assistance, you can rest assured that the truth will be revealed, leaving you able to cope financially with the stresses and pressures which may follow.

Give our office a call today to get started.