What to Do If You’re Involved in a Collision with an Uninsured Driver

If you’re involved in a car accident with a driver who does not have insurance, you may be able to file a claim under your own uninsured motorist coverage. This coverage protects you and your passengers in the event of an accident caused by an uninsured driver. In some states, such as South Dakota, uninsured motorist coverage is mandatory, while in others, it is optional.

Hit-and-Run Collisions

In the case of a hit-and-run accident, it’s crucial to preserve any available evidence. Eyewitness accounts, dash cam footage, security camera footage, and police reports can help track down the responsible driver. However, it’s not always possible to identify the hit-and-run driver. If the at-fault driver cannot be located or is uninsured, you may still be able to file an uninsured motorist claim under your own policy.

Uninsured Motorist Coverage: What You Need to Know

Uninsured motorist coverage, often referred to as “UM” or “UMBI” (Uninsured Motorist Bodily Injury), is a vital part of your auto insurance policy. It covers medical expenses, lost wages, pain and suffering, and other damages if you or your passengers are injured in an accident caused by an uninsured driver. Some policies may also provide protection in cases involving underinsured motorists.

Many states, including South Dakota, require uninsured motorist coverage as part of your auto policy. It’s essential to check whether your policy includes this coverage and understand the full extent of the claim you may pursue if you are injured by an uninsured driver.

How Moore-Faust Law Group Can Help

At Moore-Faust Law Group, we offer free, confidential consultations to assess the merits of your case. Whether you’re just starting the claim process or already in progress, we’ll provide expert guidance and answer all your questions.

Don’t Face This Challenge Alone

If you or a loved one has been injured in an auto accident caused by another driver, it’s important to have an experienced attorney on your side. Insurance adjusters are working to minimize payouts for the insurance company, not to ensure you receive fair compensation.

Studies have shown that accident victims who work with an attorney typically receive settlements that are three times larger than those who attempt to handle their claims alone.

Navigating the Complexities of Claims

The process of filing an auto accident claim can be overwhelming. An experienced attorney will help you deal with insurance adjusters and ensure you pursue the full compensation you deserve. You’ll need to prove that the other driver is responsible for the accident, document the nature and extent of your injuries, and establish that your injuries were caused by the collision. Your attorney will assist in gathering witness testimonies, medical records, and income loss documentation to support your claim.

Free, No-Obligation Consultation

For a free initial consultation, contact the attorneys at Moore-Faust Law Group. We’re here to help you understand your rights and fight for the compensation you deserve.