Uninsured drivers on the road injured in an accident
If you are injured in an accident, only a personal injury attorney can untangle the complex issues that are seemingly before you. Statistics reveal that nearly 20% of all drivers in the United States do not carry auto insurance. Unfortunately, this means that if you are involved in an accident, your chance is significant that you could be involved with an uninsured or under-insured motorist. It is practical to keep this in mind when trying to determine your needs for coverage when deciding upon your own policy.
Even when uninsured or underinsured drivers are the ones who are breaking the law, it remains your responsibility to make sure that you are protected in the event of an accident. If you were involved in a collision with an uninsured driver, you would file a claim with your own insurance company to receive compensation for the damages that the other driver has caused. Depending upon your policy, you may be entitled to claim reimbursement for medical expenses, pain and suffering, loss of earnings, and emotional distress.
Uninsured versus Underinsured
There is a very clear distinction between uninsured motorist coverage and underinsured motorist coverage. Uninsured coverage pertains to drivers who have no policy or their policy has expired. Underinsured coverage allows you to seek additional compensation from your own insurance company if the “at-fault” driver is inadequately insured. An example of this would be if you were involved in a car accident that resulted in $100,000 in damages. If the “at fault” driver only carried a minimum amount of coverage with limits of $25,000, you can collect the difference in compensation based upon the limitations of your own policy, by filing a claim for the difference in damages.
Consult with a personal injury attorney in Charlotte when injured in an accident
If you or a family member has been involved in an accident with an uninsured or underinsured driver, it may be in your best interests to discuss your case with a personal injury lawyer from The Olive Law Firm. Even if your policy clearly states that you are entitled to certain types of coverage, insurance companies are not always willing to cooperate. It may be necessary for you consult with a legal professional who can step in and resolve the situation.
The Olive Law Firm has been protecting Carolinians for nearly 60 years. They can help you answer and provide answers to any inquiry by your insurance company after you have filed your claim. It is better to let an attorney handle these discussions, because it is possible for your words to be turned against you. There is also the fact that you may not feel the full effects of your injuries for a long time. Your health and well-being depend upon your receiving just compensation for follow-up treatment. Call their office today for a free consultation with a personal injury attorney.