Insurance exists because life doesn't always go to plan. If you've been injured in an auto accident by an uninsured driver, getting the compensation you need to make you whole again can feel daunting.
Here's how an auto accident lawyer can help you when you've been injured by an uninsured driver.
Making the Claim
Most auto insurance policies include uninsured motorist (UIM) coverage. When you're injured by an uninsured driver, you'll need to file an uninsured motorist claim with your auto insurance provider.
- Maxing Out: Your auto accident lawyer can help you max out your uninsured motorist coverage. Before filing your claim, your auto accident attorney can help you add up the total cost of the accident. This means totaling up your current bills while also considering your future costs as well. In many cases, these future costs will dwarf your current bills and can extend for years. In particular, physical therapy and the repercussions of a permanent disability can cause extensive financial aftermath. If you don't consider these costs when you file your uninsured motorist claim, your insurance company isn't likely to do it for you. Even if you feel comfortable filing a claim yourself, it's always a good idea to have an auto accident lawyer double-check your claim before you submit it to your insurance provider.
Beyond the Claim
In many cases, the extent of the damage caused by uninsured motorists exceeds the policy maximum(s). Your auto accident attorney can help you seek legal recourse to make sure that you aren't left cleaning up the wreckage for someone else's mistake.
- Personal injury: If your uninsured motorist maximum is insufficient, your auto accident lawyer can help you file personal injury litigation. When filing a personal injury lawsuit, you'll need to make sure that you can clearly document the extent of your injuries and prove that they were sustained through an act of negligence. Your auto accident attorney can arrange legal depositions with eyewitnesses and experts to substantiate appropriate negligence charges. If your auto accident attorney is able to prove gross negligence, your odds of succeeding in court or compelling the offending party from settling long before the case reaches a jury are high. In addition to filing a personal injury lawsuit against an uninsured motorist, your auto accident attorney can also file suit against other parties with liability in the case. This can include cities, states, departments of transportation, and other motorists.
Contact a car accident attorney for more information.