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 What To Do If You Are Injured By An Uninsured Motorist (UM)

Being in a motor vehicle accident is traumatic. If you are in a collision and another driver is at fault, their auto insurance will typically cover your medical bills and auto repairs. But what if the driver doesn’t have any insurance? Unfortunately, cases become even more stressful when victims find themselves involved in accidents with uninsured drivers. If you carry uninsured motorist (UM) coverage on your auto insurance policy, you may be able to recover compensation through your own insurance company. In many states, this coverage is optional, so check your policy, discuss added costs, benefits, and policy limits with your insurance agent, and add UM coverage if you don’t already have it.

When deciding to file an uninsured motorist case, there are several time-sensitive facts that must be proven. These items include the following: 

  1. That the other motorist either has no insurance or cannot be identified.
  2. That the other driver was at fault. 
  3. What your injuries/damages were because of the accident.  
  4. That your auto insurance policy includes uninsured motorist coverage.

Generally, it will be necessary to hire an experienced attorney to help you navigate your UM case and maximize your recovery. We will conduct a thorough investigation into all the above-listed matters to ensure that you recover the compensation for which you are entitled through your uninsured motorist policy. Time is always of the essence, though. Insurance companies generally require you to file a claim for auto accidents within a matter of weeks, so you will need to move quickly to protect all your legal rights. If you or a loved one was involved in a motor vehicle accident with an uninsured driver, let a lawyer, fight for you and get you the results you deserve.