An automobile accident is a painfully frustrating experience that can be made even worse if the person responsible for the accident doesn’t have insurance. Car accidents can cause you severe financial hardship because you may have to pay expensive medical bills as well as the cost of repairing your vehicle. Depending on the nature of the injuries, you may also be forced to miss work for a period of time as you recover, furthering the financial damage. If you have been in a car crash with an uninsured driver, it is critically important to contact our firm right away.
Being involved in a car accident is trouble enough, but when the driver of the other vehicle is uninsured, it can present a whole set of new problems. Your insurance company may cover your damages depending on your policy, but many times you are left having to shoulder some of the cost. Most auto insurance policies in this country provide an uninsured motorist clause that will guarantee you coverage if you are involved in an accident with an uninsured motorist. However, the policy owner has to pay a premium to their insurance company in order for their policy to include this clause.
Uninsured motorists can be defined as drivers who don’t have liability coverage for the particular car they are driving. In many states, driving without this coverage is considered a felony. Hit-and-run drivers can also qualify as uninsured motorists because they are not around to pay the insurance. If you are involved in a car crash caused by an uninsured motorist, you may face additional problems if you don’t have uninsured motorist bodily injury coverage as part of your own policy. If you were injured in your accident, in addition to your car being damaged, you may need compensation to cover medical costs and other expenses not provided by normal auto insurance.
Colorado law requires insurance companies to provide uninsured and under-insured motorist (UM and UIM) insurance as part of every policy they sell, unless the person purchasing the policy specifically declines it. When an uninsured driver crashes into you, UM insurance is designed to protect you by providing you with the same amount of financial compensation that you could have received had the driver been properly insured. UIM insurance enables you to obtain the remaining damages you may be owed after an under-insured driver’s insurance company pays the maximum amount provided by their policy. Furthermore, in 2008, key loopholes in the UM / UIM insurance regulations were closed when the state revised the legislation covering these types of insurance. Though this was intended to help motorists receive the full benefits they are due after an accident with an uninsured driver, experienced legal support is still needed to help you in file a claim.
After an accident, your insurance company will get a statement from you and may appear to be on your side. However, they might not have your best interest at heart, and the information you provide them could limit the amount of damages you are eligible to collect. That is why it is critical to speak with a seasoned legal professional as soon as possible after an accident. The lawyers from Fisher & Associates PC are experienced in assisting people with claims involving uninsured motorists and will fight relentlessly to obtain the best terms possible for your claim.
If you are involved in a car accident with an uninsured motorist, then you may benefit from the help of a lawyer from our firm. Insurance claims like this are extremely difficult to navigate on your own, but at Fisher & Associates our job is to make this process easier for you. Should you become our client, we will fight on your behalf throughout the process so that you get the full compensation you deserve.