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What to Do After an Auto Accident with an Uninsured or Underinsured Driver

Being in a car accident is stressful enough, but when the at-fault driver is uninsured or underinsured, it adds an extra layer of complexity. At Blitz Law Group, we understand the challenges this situation brings and are here to guide you through your options for securing the compensation you deserve.


In this post, we’ll break down the key steps to take and the legal protections available if you find yourself in this unfortunate scenario.


 

The Uninsured/Underinsured Driver Problem


According to the Insurance Research Council, about 1 in 8 drivers in the U.S. are uninsured, with many others carrying only the minimum required coverage. When accidents occur, victims can face:

    •    Unpaid medical bills

    •    Lost wages from time off work

    •    Out-of-pocket repair costs

Without proper coverage, the financial burden can quickly become overwhelming.


Key Steps to Take After an Accident


1. Document Everything

Treat an accident with an uninsured or underinsured driver like any other collision. Call the police, document the scene, and gather information from all parties involved. Even if the driver lacks insurance, a police report is critical for any future claims.


2. Notify Your Insurance Company

Inform your insurer immediately, especially if you have uninsured/underinsured motorist (UM/UIM) coverage. This optional coverage is invaluable in cases like these, as it allows you to file a claim with your own insurance provider.


3. Seek Legal Counsel

Navigating an uninsured/underinsured claim can be complicated, especially if your insurer disputes your coverage. Working with an experienced attorney ensures you understand your rights and options.


What Is Uninsured/Underinsured Motorist Coverage?


UM/UIM coverage is designed to protect you when the at-fault driver lacks adequate insurance. It typically covers:

    •    Medical expenses

    •    Lost wages

    •    Pain and suffering

    •    Property damage (in some policies)


This coverage steps in when the at-fault driver’s insurance is nonexistent or insufficient to cover your damages.


Challenges in UM/UIM Claims

Even with coverage, securing fair compensation isn’t always straightforward. Insurance companies may:

    •    Dispute the severity of your injuries

    •    Question the necessity of certain treatments

    •    Offer lowball settlements


This is why having an attorney who understands the intricacies of these cases is crucial.


How Blitz Law Group Can Help


At Blitz Law Group, we specialize in representing clients in complex auto accident cases, including those involving uninsured and underinsured drivers. Here’s how we assist:

    •    Investigating the Accident: We gather evidence, interview witnesses, and work with experts to build a strong case.

    •    Dealing with Insurance Companies: We handle all communications with your insurer, ensuring you aren’t pressured into accepting less than you deserve.

    •    Litigating When Necessary: If negotiations fail, we are fully prepared to take your case to court.


A Real-World Example

In one recent case, we represented a client injured in an accident caused by an uninsured driver. By leveraging their UM/UIM policy and presenting compelling evidence of their injuries, we secured a significant settlement that covered their medical bills and lost wages.


Protect Yourself Before an Accident Happens

The best way to prepare for the possibility of encountering an uninsured or underinsured driver is to ensure you have adequate UM/UIM coverage. Speak with your insurance agent about adding this to your policy if you don’t already have it.


Contact Blitz Law Group Today


If you’ve been in an accident involving an uninsured or underinsured driver, don’t navigate the process alone. At Blitz Law Group, we are committed to securing the compensation you deserve.


Visit https://www.blitzlawgroup.com/contact to submit your case electronically.

Email our team: info@blitzlawgroup.com

Call our office: (212) 871-1300

Find out more information by visiting our Ai Chatbot







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