Uninsured Motorist Coverage — For When The Other Driver Doesn’t Have Vehicle Insurance
Uninsured Motorist Coverage
If a driver not having insurance coverage strikes you, you can bring a claim under your uninsured motorist coverage. Uninsured motorist coverage is your vehicle insurance coverage protecting you and passengers when you are involved in a vehicle collision with a driver who does not have auto insurance who is at fault for a collision. In some states including South Dakota, uninsured motorist coverage is required on your purchased auto policy; in some other states it is optional.
Uninsured motorist coverage is often abbreviated “UM” on an insurance policy; sometimes called uninsured motorist bodily injury coverage, or “UMBI”; and sometimes in policies it is also referred to as uninsured/underinsured motorist protection.
If you or a passenger are injured in a collision caused by an uninsured driver, a claim can be made against applicable uninsured motorist coverage for damages including, but not limited to, medical bills, future medical care, lost income, pain and suffering, permanency of injury, and other damages. Make sure you know if you have applicable uninsured motorist coverage to pursue and the full claim that can be pursued for your injuries if an uninsured motorist has injured you.
Moore·Faust Injury Law Group will provide you, free of charge, a confidential consultation regarding the merits and value of your injury claim. This consultation is based on the specifics of your individual claim regardless of where you are in the claim process. During the consultation we allow and encourage you to ask any questions you may have regarding your claim.
Don't Go it Alone
If you or a loved one has been involved in an auto accident, you need the assistance of an auto accident lawyer if another driver caused the accident and you or your family member suffered injury or damage to your property. Insurance adjusters work for the insurance company and will attempt to save that insurance company as much money as possible.
Internal studies of the insurance companies studies have shown that when an accident victim is being assisted by an attorney, the average payout is approximately three times in comparison to when the accident victim attempts to represent him or herself.
Claims are Complex
The auto accident claims process is difficult, but an auto accident attorney will aid you in dealing with insurance adjusters in pursuing the full amount you are due. When filing your auto accident claim, you will need to prove that the other driver is liable for the damages you are suffering from. Also, proof must establish the nature and extent of your injuries, as well as the injuries were caused by the collision. Moreover, an auto accident attorney can further investigate the facts surrounding a claim, including getting testimony from witnesses, medical documentation and proving your injuries and lost income proof. Your auto accident attorney will properly file and pursue your insurance claim. An auto accident claim can involve many different aspects that you may not be familiar with, and an auto accident attorney will be able to help you.
No-Cost Review of Your Claim
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