Maximizing your Uninsured Motorist Accident Claim

Were You Injured in an Accident Due to the Negligence of an Uninsured Driver?

Drivers that take to the roads should always engage in safe driving. Not everyone is as careful and considerate, when it comes to obeying traffic laws. Some drivers believe that they can do anything they want on the road, and that it will have no consequences. If you have been injured in an accident caused by a reckless driver, then you should make a claim against them.

Indeed, there is more than one type of driver recklessness. There are those who take physical risks and those that take financial risks. People who drive without insurance fall into the latter category. The number of at-risk drivers is on the rise, as many are driving illegally without insurance. Statistics show that a high percentage of at-fault drivers are without insurance.

If you have been hit and harmed by an uninsured driver, you will need to lean on your own insurance company for compensation. This is not always an easy task, which is why you should hire an uninsured motorist lawyer Newport Beach to help you.

Your insurance company is obligated to help you deal with the financial fall-out of a motor vehicle accident. Unfortunately, this is not the priority of most insurance companies. Most of them work to please their shareholders, and they will do whatever they can to deny your claim or minimize the amount of money they pay. That is why you should retain the services of a lawyer that knows how to successfully negotiate settlements with those who failed to produce proof of insurance. Your lawyer will be the only one looking out for your interests.

If you have done the responsible thing and taken out insurance on your vehicle, then you will likely carry a minimum of auto liability insurance. This may not cover the bills that you will accumulate if you are in an auto accident. For this reason, many states require drivers to carry car insurance. Such policies are designed to help frequent drivers who have been hit by someone without insurance.

Under uninsured motorist coverage, you will be able to make claims for:

  • Medical bills
  • Lost wages
  • Physical and emotional suffering
  • Vehicle repair costs
  • Rental car costs
  • The value of personal property lost in the accident

Your state may also require you to carry underinsured motorist coverage. This will help you cover damages if you are hit by a driver with a low level of liability insurance. The policy will kick in after the other driver’s insurance runs dry.

The uninsured and underinsured coverage may be separate parts of your policy. You will need to go through the insurance documents carefully to find out exactly where you stand. An attorney can help you properly analyze and interpret your insurance policy response to property damage or physical damages.

Maximizing Your Compensation

A personal injury lawyer Newport Beach can help you get the most from your insurance coverage. In addition to uninsured and underinsured motorist coverage, you may also have personal injury protection (PIP) coverage. The clauses that define this coverage may be buried deep within your insurance paperwork, and you may have been paying for it all along. It is right that you claim what you are rightfully entitled to.

PIP coverage will cover the medical bills that result from your injuries no matter who caused the accident. Any of your passengers injured in the accident may also be able to file under your PIP coverage.

Your insurance may also include collision coverage, which pays for the property damage to your vehicle.

Taking the Right Action After a Collision

If you are to get the maximum amount of compensation after your collision, then you must take the right steps. You should always call emergency services and wait for police and ambulance services to arrive. You should also get the name, address, phone number, and other pertinent information from the at-fault driver.

When the police arrive, you should report the facts as you remember them. You need not admit fault or cast blame on the other driver. The best move is to continue documenting everything having to do with the accident. Take pictures of the damage done to your vehicle and of the accident scene. You should also get the contact information of the people who witnessed the accident.

You should also allow paramedics to treat any minor injuries you may have. You should then go directly to the hospital to have yourself evaluated by a medical professional. You should have any cuts and bruises photographed before they are treated and bandaged. And you should not leave the hospital without a copy of the medical evaluation of your condition.

The Role of Your Newport Beach Uninsured Driver Attorney

If your insurance company refuses to pay your claims, then you will need to take legal action against them. One of the tactics of insurance companies that do now want to honor their commitments is to claim that you were the at-fault driver, not the other person. They may be able to get away with this if the police report was inconclusive. Your attorney will know how to handle such a situation.

Your lawyer will send their in-house investigative team to the scene of the accident to gather more evidence. This team will also interview those who witnessed the accident. It is often the case that accident witnesses will not talk to police but will talk to private investigators. One of the individuals interviewed by your legal team may have crucial evidence or information that proves that the other driver was at fault for the accident.

You also have the option of suing an underinsured driver. This can be done if your medical and vehicle repair bills exceed the amount that their insurance company has given you. In this instance, suing an underinsured driver may really mean suing their insurance company. Your attorney will need to build the case against the latter. They will need to show that you were badly injured, that the injury owed to the recklessness of the other driver, and that you are therefore entitled to a certain amount of money from their insurance company.