U.S. Uninsured Driver Accident Injury Attorneys

U.S. Underinsured and Uninsured Motorist Injury Lawyers

Injury Attorney in the United States for Those Hurt by Underinsured Motorists

If you were hurt in any type of car accident, you may be wondering how your medical bills and car repair bills are going to be paid. There is also a good chance that you have missed work, which means you may have lost out on wages that you should have received, not to mention other expenses that could be adding up as the weeks and months pass. For reasons such as these, most states require licensed drivers to maintain auto insurance policies. Unfortunately, however, many drivers simply do not have the mandated coverage.

The experienced attorneys in the Top U.S. Personal Injury Lawyers directory know just how devastating it is to learn that the person who caused your car crash injuries does not have enough insurance to reimburse you for your losses. You might be anxious, stressed out, and overwhelmed about what the future holds, but you need to know that you do not have to face the uncertainty alone. A top attorney can help you explore all possible avenues for seeking full compensatory damages.

Uninsured and Underinsured Drivers

In most states, auto insurance companies are required by law to include, or at least offer, uninsured and underinsured motorist coverage as part of the policies they sell. As you might infer from the name, this coverage is intended to protect you in the event of a crash caused by an uninsured driver or an underinsured driver. An uninsured driver is an individual who drives a car, truck, or motorcycle on any public road without the liability insurance required for drivers in that particular state. A driver who is underinsured is a person who carries liability insurance in accordance with the law, but the policy's coverages are not enough to cover the damage or injuries caused by a crash.

Recent insurance claims studies have generated the estimate that about 13 percent of drivers in the United States do not have any insurance coverage. A substantially higher percentage of drivers are underinsured, but finding a specific number is hard, as being "underinsured" is dependent on the total losses or damages sustained in a particular accident. Insurance industry experts indicate that minimum auto insurance coverages in most states have not kept pace with the increasing costs of medical care or car repairs. As a result, there are probably tens of millions of motorists throughout the country who are legally insured but who would be underinsured if they caused an accident.

It may be possible to recover compensation for injuries caused by uninsured and underinsured drivers, but doing so is not easy. You have the right to pursue damages directly from the driver who caused the accident, but if the driver has not complied with your state's requirements regarding insurance, it is unlikely that you will be able to collect enough from him or her to cover your injuries. Therefore, you may have no choice but to seek compensation from your own auto insurance carrier.

Protecting Victims' Rights

The Top U.S. Personal Injury Lawyers have helped many clients recover compensation in uninsured and underinsured driver situations. It is sadly true that insurers may try to keep payouts to a minimum, even for their own paying customers. Your insurance company might offer a settlement quickly, but first offers often fall far below what you truly need to put your life back on track. Do not be afraid to stand up to the insurance company, and, with the help of your lawyer, you should do everything you can to get the full compensation to which you are entitled under the law.

Let Us Help You

For more information about how we can assist you in recovering compensation following an accident caused by an uninsured or underinsured driver, contact a Top U.S. Personal Injury Lawyer in your area. Many attorneys offer night and weekend appointments for your convenience. Call and schedule your consultation today.

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