What if the other driver is not insured for your losses?
Many automobile drivers carry only the minimum accident insurance required by law. Many drivers carry no auto insurance at all. If such a driver caused your injuries in a collision, who pays for your medical care, lost wages and property damage. What about your pain and suffering or lasting disability?
Without proper legal representation, you could be stuck with these losses. Greg Jones Law can pursue compensation for this scenario under the uninsured motorist/underinsured motorist (UM/UIM) provision of your own auto insurance policy. These are complex and hard-fought claims, but we are not afraid to take on insurance companies and hold them to their legal obligations.
Contact us today for a free consultation. We represent victims of car, truck and motorcycle accidents in North Carolina, South Carolina and Georgia.
Uninsured driver and underinsured driver lawyers
Most auto policies include UM/UIM coverage, although the amount of coverage depends on what you purchased. This coverage is specifically intended to protect you against:
- Uninsured motorists — If the other driver does not have insurance, your insurer pays your losses up to your UM policy limits.
- Underinsured motorists — If you sustained major losses (hospitalization, lost earnings, permanent injury), or if several passengers were injured in the same accident, the negligent driver's insurance may only go so far. Your UIM policy covers the difference.
- Hit-and-run accidents — If the driver who caused your accident fled the scene and was not identified, that phantom driver is treated as an uninsured driver under your UM coverage.
Your insurance company will not volunteer UM/UIM coverage and probably will fight such a claim or try to maneuver you into a quick settlement for less than full value. Always consult an attorney before talking to an insurance adjuster, agreeing to a settlement or signing anything. You could undercut your own claim or sign away future rights. This is especially true with uninsured motorist and underinsurance claims.
Charlotte and Wilmington NC uninsured motorist lawyers
Our lawyers are committed to your fair compensation, and we are prepared to go to court if necessary to uphold your rights. If we take your case, there are no attorney fees unless we secure damages on your behalf.
Talk to an experienced personal injury attorney at Greg Jones Law, in Wilmington, North Carolina, at 800-481-5707 or contact usonline.
