A Personal Injury Lawyer for an Uninsured or Underinsured Motorist Claim

Personal Injury Lawyer

Being injured in an accident can be devastating, but when you find out the liable party is uninsured or uninsured, you might feel even more upset and confused. Also known as first party claims, these are complicated and will very likely require the help of a personal injury lawyer who understands how to navigate them.

The laws pertaining to uninsured (UM) and underinsured (UIM) motorist claims vary by state. However, what you can expect in any state is that they are often challenging even for general lawyers which is why it is so important to choose a personal injury lawyer with experience in handling UM and UIM claims.

Examples of UM and UIM Motorist Claims

Many drivers and passengers do not have a full comprehension of when and how UM and UIM claims can arise. In fact it is common for resident’s to believe they are insured or covered, when they actually have misunderstood their policy. Uninsured motorist coverage can protect the occupants of a car when situations like the following occur:

  • You’re driving or riding in a vehicle and struck by another vehicle whose driver lacks enough insurance coverage;
  • You were involved in a hit and run;
  • You were a pedestrian and struck by a driver without enough coverage;
  • You were a bicyclist and hit by a driver who lacks coverage;
  • You were a passenger in a car who was hit by another car whose driver does not have enough coverage; and,
  • Many more.

It is common for more than one UM or UIM policies to be involved in your case. In this situation, a personal injury lawyer may use these to look for multiple opportunities to cover your losses.

Uninsured and Underinsured Motorist Coverage

Depending on the state in which the accident occurred, it may be that every driver is supposed to carry an insurance policy that includes at least the minimum amount of UM/UIM coverage. This coverage would then extend to anyone named in the policy or anyone who resides at the same address as the policyholder.

Both UM and UIM coverage will cover the injuries to a person or any property damage up to a certain amount. If a situation involves an uninsured vehicle, the claimant will be required to show the burden of proof to their insurance carrier. This is why it is recommended to have a personal injury lawyer help you maneuver through the claims process.

When a motorist is underinsured, the driver has insurance, but the limits of the policy amount to less than the damages claimed by the claimant. These cases are often contested vigorously and should be overseen by an experienced personal injury lawyer.

Have You Been Involved in a UM or UIM Vehicular Accident?

Uninsured and underinsured motorist claims involving extensive property damage, serious injuries, and fatalities mandate the need for skillful legal advocacy by a personal injury lawyer Harrisonburg, Virginia relies on.



Thank you to our friends and contributors at MartinWren, PC for their insight into uninsured drivers and personal injury claims.