Being involved in an accident with an uninsured motorist in Montgomery means you’re likely facing serious concerns. From handling your medical care and vehicle repairs to recovering lost wages, the situation can be overwhelming. Fortunately, a Montgomery car accident lawyer can step in to help. Hunter & Everage is here to help clients make sense of the complex legal landscape involved. Our team can assist you in receiving the compensation you deserve.
What Do I Do if I Need an Uninsured Motorist Accident Lawyer After an Accident?
Being hit by an uninsured motorist can be a stressful experience. Because the other driver does not have insurance, recovering damages for your losses is complicated to do on your own.
However, several avenues do exist for pursuing compensation, including working with an experienced uninsured motorist accident lawyer.
First things first, though. It’s important to document the accident after it occurs as thoroughly as possible. This includes photographing the scene and reporting the accident to the authorities. If you work with an attorney, they can use the evidence you collect when building your legal case.
It’s also wise to check your insurance policy. Many auto insurance policies include uninsured motorist coverage. If you have UM coverage, it can help cover medical bills, lost wages, and other damages.
If you do not have UM coverage or you’re unsure how to make sense of your policy, working with a lawyer can help. Further, these legal professionals can help if you need to explore other options. For example, one option may involve filing a lawsuit against the uninsured driver. Having legal representation is incredibly valuable if this avenue becomes necessary.
You may still have options for seeking and recovering compensation
Even if the at-fault driver is uninsured, you are not without options. As mentioned, you may be able to cover some of your losses through UM coverage. Your attorney can assist in interpreting your policy and filing a claim to maximize your compensation.
Your uninsured motorist accident attorney may explore other avenues for compensation as well.
These include health insurance benefits, personal injury protection (PIP) coverage, and medical payments coverage. Each option may contribute to covering your losses and ensuring you receive fair compensation.
You must meet the applicable deadlines to recover compensation in your case
In Alabama, there are strict deadlines, known as statutes of limitations, that determine how long you have to file a lawsuit. For most personal injury cases (including those involving uninsured drivers), the statute of limitations is two years.
It’s important to adhere to these deadlines. Failing to file your claim within this period can result in losing your right to compensation. An experienced Montgomery lawyer will make sure that you meet all of your deadlines.
In addition to the statute of limitations, there may be other deadlines involved. For example, your insurance policy might require you to notify your provider of the accident within a certain timeframe. Missing these deadlines can potentially jeopardize your ability to make a claim.
How Does Insurance Coverage Work in a Montgomery Uninsured Motorist Crash?
Understanding insurance coverage can be complicated, especially in cases involving uninsured motorists. Being aware of how your coverage works is a must to ensure you receive the compensation you deserve.
Uninsured motorist (UM) coverage should be part of your auto insurance policy. In addition, underinsured motorist coverage may be an option to pursue. This coverage comes into play when the at-fault driver has insurance that isn’t sufficient enough to cover your losses. It may help bridge the gap between the other driver’s policy limits and the actual amount of your damages.
Your uninsured motorist accident attorney will review your insurance policy to determine the extent of your UM and UIM coverage. From there, they will work with your insurance company to ensure you receive the compensation you are entitled to.
Speak to an Uninsured Motorist Accident Lawyer About Your Case Today
Navigating the aftermath of an accident with an uninsured motorist is something nobody wants to go through. However, with an experienced uninsured motorist accident lawyer, you can receive the assistance you need. These individuals can help gather evidence, negotiate with your insurer, and represent you in court if the need arises.
If you or a loved one has been injured in an accident with an uninsured motorist, don’t wait to seek legal help. Contact an attorney today to discuss your case and learn about your options for pursuing compensation.
We’re here to help. Contact the law office of Hunter & Everage today for a consultation. We are dedicated to helping you secure the compensation you deserve and will fight on your behalf.
