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An uninsured motorist is a person who does not have insurance or does not have enough insurance to cover the damages on another vehicle. Fortunately, if you have uninsured motorist insurance, you are covered by your own insurer.

However, even if you are covered, your insurer may deny your claim or offer you a settlement that does not cover your accident-related expenses. If this occurs, you should reach out to a Wake Forest uninsured car accident lawyer at once. With the help of a seasoned attorney, you may be able to secure the compensation owed to you. Call now to schedule a free initial consultation.

How Does Uninsured Motorist Coverage Work in Wake Forest?

If a driver has uninsured motorist (UIM) coverage, they will be covered if they are hit be a driver who does not have insurance. In most cases, it is not helpful to file a personal injury lawsuit against an uninsured motorist because if they cannot afford car insurance, they cannot afford to pay a court judgment. It is a much better idea for a driver to file a claim with their own insurance company if they are hit by someone who is uninsured.

If a driver is hit by a person who has insurance but their liability insurance policy limits does not cover their medical bills and other crash-related losses, underinsured motorist coverage will come into play. Underinsured motorist coverage allows a driver to file a claim up to the limit of their coverage, but only if their coverage exceeds the policy limits of the underinsured driver.

It is also important to note that the underinsured and uninsured coverage a driver carries cannot exceed the amount of their primary coverage. For example, if a driver has $50,000 in liability coverage, they can only carry up to $50,000 in uninsured or underinsured coverage. Since this coverage is cheap, insurers do not want their policyholders purchasing the minimum liability amount and maxing out uninsured and underinsured coverage.

Filing a Claim Against an Insurer

If a driver is hit by an uninsured driver, they should immediately notify their insurer. Once a driver notifies their insurer, their claim would progress in a manner similar to a claim involving an insured driver. However, the only difference is that the claim is filed against the insurance company of the driver. As usual, there would be a pretrial investigation, collection of medical records, and witness depositions, but if a driver and their insurance company cannot agree on a fair settlement figure, the driver does have the right to file suit against their insurer.

With the help of a Wake Forest uninsured car accident lawyer, a driver may be able to obtain what they really deserve in compensation.

Reach out to a Wake Forest Uninsured Car Accident Attorney

If you were hit by an uninsured or underinsured driver and your insurance company will not pay what it owes, you may have grounds for a legal claim. You pay your premium faithfully, and you expect your coverage to kick in when you need it the most. For this reason, your insurer should never attempt to take advantage of you when you after an accident.

If you require assistance with filing a claim, contact a Wake Forest uninsured car accident lawyer today. A skilled attorney could coach you through any interactions with an insurance company and help you overcome the legal complexities that come with filing a claim. To get started on a case, be sure to schedule a consultation today.