Uninsured & Underinsured Motorist Claim Attorney

What is Uninsured Motorist Coverage?

Uninsured motorist coverage is an optional addition to your car insurance policy that provides coverage when you are hit by a driver who does not have any insurance. This can be an extremely valuable form of insurance coverage, as many drivers do not have insurance and, if they do, often do not have enough to cover the full extent of your losses.

Uninsured motorist coverage is designed to protect you in these situations. The coverage pays for your medical expenses, lost earnings, pain and suffering, and other losses that you suffer as a result of the accident.

What is Underinsured Motorist Coverage?

Underinsured motorist coverage is similar to uninsured motorist coverage, but it applies when you are hit by a driver who has some insurance, but not enough to fully cover all of your losses. For example, if you are hit by a driver who only has the minimum required amount of liability insurance, that driver will only have $25,000 in coverage in Alabama. If your losses are greater than $25,000, you may be able to recover the difference from your own underinsured motorist coverage.

Uninsured and underinsured motorist coverage is a valuable form of insurance to have because it can provide you with a source of recovery when you are hit by a driver who does not have enough insurance to fully cover all of your losses.

How Does Uninsured and Underinsured Motorist Coverage Work?

Uninsured and underinsured motorist coverage is optional. If you chose to purchase uninsured and underinsured motorist coverage, you will be required to purchase the same amount of coverage as you do for liability coverage. You can choose to purchase more coverage if you would like, but you will not be allowed to purchase less coverage.

Uninsured and underinsured motorist coverage is different from liability coverage. Liability coverage is designed to provide compensation to third parties when you cause an accident. Uninsured and underinsured motorist coverage is designed to provide you with compensation when you are hit by an uninsured or underinsured motorist.

When you are hit by an uninsured or underinsured motorist, your own insurance company will step into the shoes of the at-fault driver’s insurance company. This means that your insurance company will be responsible for paying your claim, subject to the limits of your policy.

When you make a claim against your own insurance company, your insurance company is required to treat you fairly. This means that your insurance company should promptly and fully pay your claim, just like the at-fault driver’s insurance company would be required to do.

Unfortunately, insurance companies do not always treat their insureds fairly. They often try to take advantage of their insureds by not paying them the full value of their claim. When an insurance company fails to pay you the full value of your claim, it is called an insurance bad faith claim.

If your insurance company has denied, delayed, or underpaid your uninsured or underinsured motorist claim, we can help. Our firm has extensive experience handling these types of claims. We understand the tactics that insurance companies use to try to avoid paying you the full value of your claim, and we know how to fight back to make sure that you get the full value of your claim.

How Can an Attorney Help Me with My Uninsured or Underinsured Motorist Claim?

When you are hit by an uninsured or underinsured motorist, there are several ways that an attorney can help you.

Investigate the Accident

When you are hit by an uninsured or underinsured motorist, it is important to investigate the accident. This is because you will need to prove that the accident was the fault of the uninsured or underinsured motorist at-fault driver in order to recover.

Our firm can investigate the accident to prove that the accident was the fault of the uninsured or underinsured motorist at-fault driver. We can obtain the police report, take photographs of the accident scene, interview witnesses, and gather other evidence that will help prove your claim.

Determine the Value of Your Claim

When you are hit by an uninsured or underinsured motorist, it is important to determine the full value of your claim. This includes both your economic and noneconomic losses. Economic losses are your financial losses, such as your medical expenses, lost earnings, and out-of-pocket expenses. Noneconomic losses are your nonfinancial losses, such as your pain and suffering and emotional distress.

Our firm can help you determine the full value of your claim. We can obtain your medical records and bills, employment records, and other evidence that will help prove your economic losses. We can also gather evidence to prove your noneconomic losses.

Negotiate with Your Insurance Company

When you are hit by an uninsured or underinsured motorist, you will need to make a claim against your own insurance policy to recover. Unfortunately, your insurance company may not be willing to pay you the full value of your claim. Your insurance company may try to take advantage of you by not paying you what you are owed.

Our firm can help you negotiate with your insurance company to make sure that you get the full value of your claim. We can gather the evidence that will help prove your claim, and we can use this evidence to convince your insurance company to pay you what you are owed. If your insurance company is not willing to pay you what you are owed, we can file a lawsuit on your behalf and take your case to trial. We are not afraid to take on the big insurance companies and will do whatever it takes to get you the compensation that you deserve.

What to Do After an Accident with an Uninsured or Underinsured Motorist

If you are involved in an accident with an uninsured or underinsured motorist, there are several steps that you should take to protect your rights.

Call the Police

You should always call the police after an accident. The police will come to the accident scene and prepare a police report. The police report will contain important information about the accident, such as how the accident occurred, who was involved, and who was at fault. The police report can be a valuable piece of evidence in your case.

Get Medical Attention

You should always get medical attention after an accident. Even if you do not think that you are hurt, you should still see a doctor. Some injuries take time to develop symptoms, and a doctor can identify these injuries and start treatment right away. Seeing a doctor will also create a record of your injuries, which can be a valuable piece of evidence in your case.

Get the Driver’s Insurance Information

You should always get the other driver’s insurance information after an accident. This will allow you to make a claim against the driver’s insurance policy. If the driver does not have any insurance, you will be able to make a claim against your own uninsured motorist coverage. If the driver does not have enough insurance, you will be able to make a claim against your own underinsured motorist coverage.

Take Photographs of the Accident Scene

You should take photographs of the accident scene if you are able to do so. The photographs should show the position of the vehicles, the damage to the vehicles, the roadway conditions, and any other relevant information. The photographs can be a valuable piece of evidence in your case.

Get the Names of Any Witnesses

You should get the names of any witnesses to the accident. The witnesses may have seen how the accident occurred, and their testimony can help prove your claim. If you are not able to get the names of the witnesses at the accident scene, you should go back to the scene of the accident as soon as possible to try to find the witnesses.

Report the Accident to Your Insurance Company

You should report the accident to your insurance company as soon as possible. Your insurance company will open a claim and assign an insurance adjuster to your case. The insurance adjuster will investigate the accident and determine the value of your claim. It is important to remember that the insurance adjuster works for your insurance company and is not looking out for your best interests. The insurance adjuster may try to take advantage of you by not paying you what you are owed. You should not give a recorded statement to the insurance adjuster or sign any documents without first talking to an attorney. Anything that you say or sign can be used against you to try to deny your claim.

Hire an Attorney

You should hire an attorney as soon as possible. An attorney can help you with your claim and make sure that you get the compensation that you deserve. An attorney can also handle all communications with your insurance company so that you can focus on your recovery.

Why Choose the Mike Slocumb Law Firm?

Mike Slocumb Law Firm is dedicated to helping people who have been injured in accidents. We know how devastating these accidents can be, and we are here to help you get the compensation that you deserve.

Our firm has extensive experience handling car accident cases. We know how to investigate these accidents to prove that the other driver was at fault. We also know how to determine the value of your claim, and we will not let the insurance company take advantage of you by not paying you what you are owed.

Our team has a proven track record of getting results. We have obtained numerous multimillion-dollar settlements and verdicts for our clients, and we are not afraid to take on the big insurance companies.

If you or a loved one has been injured in an accident with an uninsured or underinsured motorist, we can help. Our firm offers free consultations to all new clients, and we do not get paid unless you win your case.

Call (888) 302-3669 or contact us online today to schedule your free consultation.