Underinsured or Uninsured Car Accident Lawyers

Uninsured Car Accident Attorney

For many drivers, their worst nightmare is to collide with an uninsured driver. Horror stories fill the internet, and the story goes that compensation is impossible. However, this isn’t always the case. With The Injury FIrm, you have a reliable uninsured motorist accident lawyer. Contact us today to talk through your options!

Uninsured Driver Statistics

Although each state is different with auto insurance requirements, all drivers require at least one policy to cover them while driving on American roads. When drivers first pass their test and buy a vehicle, auto insurance is one of the biggest items on the to-do list before driving on the road. Yet, it’s believed that around one in eight people still try to bypass this law.

While some people can’t afford a car insurance policy, others buy a car insurance policy to register a vehicle and then allow it to expire (or even cancel the insurance policy shortly after!). Unfortunately, this causes all sorts of problems for drivers that do follow the law.

Dealing with Underinsured or Uninsured Drivers

First and foremost, we recommend considering an uninsured car accident attorney. With experience in this area, we know the ins and outs of the law. As well as gathering evidence and chasing compensation for you, we’ll protect your legal rights and make sure that you don’t settle for anything less than you deserve.

How do you deal with uninsured drivers? Well, this depends on where you live in the United States. There are two types of states:

No-Fault State - As the name suggests, this means that drivers will always contact their own insurance company first regardless of fault. Even if negligent drivers cause an auto accident, the victim will get the first part of their compensation through their own auto insurance policy. No matter what happens, you’ll get help so long as you have coverage.

While this is good for the initial compensation, there are two problems with no-fault states:

• The compensation isn’t normally enough to deal with the damages caused by an auto accident or car wreck.

• Filing a lawsuit is difficult and requires lots of care and attention (this is why you need an uninsured motorist accident lawyer!).

Fault-Based State - On the other hand, a traditional fault-based state holds the guilty party responsible for all damages. You’ve probably spotted the problem, and this is that, in our case, the guilty party doesn’t have an auto insurance policy and therefore no provider to pay for damages.

Your Options - Whether you’re in a no-fault state and need extra compensation or in a fault-based state, it’s important to note that you do have options. Firstly, you may have uninsured motorist coverage on your insurance policy. Normally, this comes as a rider and an additional cost (and therefore explains why some drivers choose to forgo the extra).

If you have this rider, you can use it to receive extra compensation after an auto accident with negligent drivers. If not, the next step is to file a lawsuit against the individual. To do this, contact an uninsured motorist accident lawyer.

Steps After a Car Wreck With An Uninsured or Underinsured Motorist

Whether you’ve experienced an auto accident before or not, nothing can prepare you for the shock that comes in the aftermath. Immediately after the car accident, the priority is always yourself, your passengers, and others involved in the accident. Call the police, call an ambulance, and make sure that you get the right care. As well as treating injuries and attending the accident, police officers and ambulance workers are essential because they both file paperwork that can help your claim or lawsuit.

From here, make sure you take the details of negligent drivers. At the same time, speak with eyewitnesses because they can also help your claim later. If you’re injured, ask a passenger to take photographs and videos of the scene. In the meantime, allow the ambulance workers to treat your injuries because your health comes first.

Proving Liability in a Lawsuit

Sadly, negligent drivers cause auto accidents and car wrecks daily around the United States. While some are distracted by passengers or devices while driving, others struggle to follow the laws of the road. This means erratic lane changes, speeding, and making other poor decisions. Elsewhere, car accidents are caused by drivers who think it’s acceptable to consume drugs and alcohol before getting behind the wheel.

When a driver is underinsured or uninsured, this adds unwanted complexity to many auto accident cases. As your uninsured car accident attorney, The Injury Firm will need to prove that the driver breached their duty of care towards you. Since they were driving on the highway, this is one of the simpler steps.

From here, we need to prove that the driver breached this duty through negligence, recklessness, or another method. Finally, we’ll show that the driver’s actions caused your injuries (we can’t claim for pre-existing injuries, for example).

Depending on the accident in question, you may have experienced broken bones, lacerations, spinal cord issues, neck and back damage, or even more serious implications like paralysis. Some car accidents lead to death, and this is where a lawyer files a wrongful death case against the negligent driver.

The reason a car accident attorney is so important is that they have experience and knowledge. They will compile a car accident claim or lawsuit while allowing you to recover from any injuries. Potential damages we can help you to recover include:

• Loss of wages
• Current and future medical bills
• Vehicle damage
• Pain and suffering
• Mental anguish

In wrongful death cases, the damages can include loss of companionship, loss of consortium, burial expenses, and more.

Phone The Injury Firm Today For a Free Consultation

Look through our service areas and phone The Injury Firm today if you need help. We’ll review the facts of your case before then providing advice. We’ll help you to proceed through the many steps and obtain compensation in the right way. We’ll explore your options before then helping with legal support from start to finish. Why not contact the friendly personal injury team now?