What is an uninsured motorist case?

A car acci­dent with some­one who has no insur­ance is con­sid­ered an unin­sured motorist case. An unin­sured motorist case can arise in many ways. Maybe the per­son who hit you showed an insur­ance card to the police offi­cer, but did not pay their pre­mi­um so their insur­ance was can­celed. Maybe the per­son dri­ving the car which caused the acci­dent was an exclud­ed dri­ver. We have even han­dled cas­es where the insur­ance com­pa­ny for the at fault dri­ver went bank­rupt. No mat­ter how it hap­pens, if there is no insur­ance to cov­er your [med­ical bills and lost wages], you have an unin­sured motorist case.

Your insurance company will take the place of the uninsured motorist

Many peo­ple believe that if they are in an acci­dent with an unin­sured motorist, they are unable to make a recov­ery. This is untrue. Your insur­ance com­pa­ny steps into the shoes of the unin­sured motorist. As such, your insur­ance com­pa­ny is respon­si­ble for not only your med­ical bills and lost wages but also your pain and suf­fer­ing as well as oth­er dam­ages caused by the unin­sured motorist. But, do not expect that your insur­ance com­pa­ny will fair­ly com­pen­sate you sim­ply because they are [your insur­ance com­pa­ny]. You should con­tact an attor­ney famil­iar with unin­sured motorist cas­es to pro­tect your inter­ests.

What does uninsured motorist insurance cover?

Unin­sured motorist insur­ance cov­ers many cir­cum­stances If you are in an acci­dent with an unin­sured motorist or a hit and run vehi­cle, your unin­sured motorist insur­ance will cov­er your claim. Most peo­ple think of unin­sured motorist cas­es as involv­ing two or more vehi­cles, your car and the unin­sured motorist’s car. But unin­sured motorist insur­ance cov­ers many oth­er cir­cum­stances.

Uninsured motorist insurance covers you if you are a pedestrian.

We rep­re­sent many clients who are hit while they are pedes­tri­ans. It is com­mon for a car to hit a pedes­tri­an and then flee the scene. This becomes a hit and run acci­dent. If you have your own car insur­ance and you are hit by an unin­sured motorist, your insur­ance com­pa­ny will cov­er your injuries.

Uninsured motorist insurance covers you, your children and any family member living with you.

Even though the car insur­ance may be in your name, unin­sured motorist cov­er­age is much broad­er than you may think. Unin­sured motorist insur­ance cov­ers not only you, but any fam­i­ly mem­ber resid­ing in your house­hold. The rea­son for this is appar­ent from the fol­low­ing exam­ple. If your young son or daugh­ter is hit by an unin­sured motorist, they are not old enough to have their own car insur­ance which would cov­er them. Pro­vid­ed they live with you, your car insur­ance will pro­vide unin­sured motorist cov­er­age to him or her. How­ev­er, insur­ance poli­cies do not lim­it unin­sured motorist cov­er­age to chil­dren. Insur­ance poli­cies cov­er any fam­i­ly mem­ber liv­ing with you. To dis­cuss whether unin­sured motorist insur­ance applies to you or your fam­i­ly mem­bers, con­tact us for a free con­sul­ta­tion.

Uninsured motorist insurance covers your family even if you cause the accident.

Unfor­tu­nate­ly, some­times an acci­dent can be your fault. To make mat­ters worse, your acci­dent may cause a fam­i­ly mem­ber to sus­tain injuries and incur med­ical bills or lost wages. Your insur­ance com­pa­ny will point to the “Fam­i­ly Mem­ber Exclu­sion” in your insur­ance pol­i­cy which states they will not com­pen­sate a fam­i­ly mem­ber if the acci­dent is your fault. You may assume that there is no recov­ery for your fam­i­ly mem­bers [based on what your insur­ance com­pa­ny may tell you]. While the exclu­sion is valid, your fam­i­ly mem­bers now have an unin­sured motorist claim. Insur­ance com­pa­nies will not tell you this since their job is to save mon­ey, not pay claims. If you or your fam­i­ly mem­bers have been denied by an insur­ance com­pa­ny, con­tact us to see if we can help make a recov­ery.

What is a hit & run motorist case?

When some­one caus­es an acci­dent and flees the scene, or gives you fraud­u­lent iden­ti­fi­ca­tion, you will have a hit and run case. A hit and run case is treat­ed sim­i­lar­ly to an unin­sured motorist case. Many times, our clients or wit­ness­es are able to get a license plate of the car which caused the acci­dent. While this can be impor­tant, it is not nec­es­sary in order to present a claim for dam­ages in a hit and run acci­dent.

What should I do in a hit and run accident?

Like all acci­dents, you should prop­er­ly doc­u­ment your acci­dent. In a hit and run acci­dent, you must make a police report with­in 24 hours. Fail­ure to do so will like­ly result in your unin­sured motorist claim being denied by your insur­ance com­pa­ny. If you have a license plate, allow the police to do their job. If they are able to iden­ti­fy the car, they will do so. You should also con­tact an attor­ney famil­iar with hit and run and unin­sured motorist cas­es.

Your insurance company will take the place of the hit and run motorist

Many peo­ple believe that if they are in a hit and run acci­dent, they are unable to make a recov­ery. This is untrue. Your insur­ance com­pa­ny steps into the shoes of the hit and run vehi­cle. As such, your insur­ance com­pa­ny is respon­si­ble for not only your med­ical bills and lost wages but also your pain and suf­fer­ing as well as oth­er dam­ages caused by the hit and run vehi­cle. But, do not expect that your insur­ance com­pa­ny will fair­ly com­pen­sate you sim­ply because they are your insur­ance com­pa­ny.

To pro­tect your legal rights, call David today at 800–322-5529 for a FREE con­sul­ta­tion.