Accidents Involving Uninsured/Underinsured Drivers

Underinsured/Uninsured Motorist Lawyer in East Hartford, CT

The aftermath of a vehicle accident — seeking treatment for injuries, getting car damage repaired — is only made worse when the driver responsible for the accident fled the scene, was underinsured or, worst of all, uninsured. While car insurance is a requirement for Connecticut drivers, many choose to go without coverage.

When Connecticut commuters suffer injury caused by drivers with insufficient insurance coverage or none at all, they can turn to the Adler Law Group, LLC, for experienced legal help getting the most out of their claim. Our experienced car accident attorneys help individuals with significant injuries and vehicle damage navigate the insurance system to obtain maximum compensation for their claims.

How Underinsured & Uninsured Motorist Coverage Works

In East Hartford, CT, understanding underinsured and uninsured motorist coverage is crucial for protecting yourself in case of an accident. These types of coverage step in when the at-fault driver either has no insurance or lacks sufficient coverage to compensate you adequately. Essentially, your own insurance company becomes responsible for covering your damages in these situations.

Uninsured motorist coverage (UM) comes into play when the at-fault driver doesn't have insurance. On the other hand, underinsured motorist coverage (UIM) applies when the at-fault driver's insurance isn't enough to cover your expenses fully. Having these coverages in your policy ensures that you're not left shouldering the financial burden of someone else's negligence.

Handling Uninsured/Underinsured Driver Accidents

Experiencing an accident with an uninsured or underinsured driver can be overwhelming. However, it's crucial to stay calm and take specific steps to protect yourself and your rights. First and foremost, ensure everyone's safety and seek medical attention for any injuries.

Next, gather as much information as possible at the scene. This includes the driver's contact and insurance information, as well as any eyewitness accounts. Then, promptly report the accident to your insurance company and consult with our experienced uninsured motorists lawyer in East Hartford, CT. We'll guide you through the claims process, working to maximize your compensation from your own insurance policy. Our team will negotiate with your insurer on your behalf, advocating for fair treatment and ensuring that you receive the coverage you're entitled to. Contact us today for a free consultation or call 860-412-4131

Challenging East Hartford UM/UIM Insurance Claims

Despite having UM/UIM coverage, insurance companies may still try to minimize or deny your claim. If you encounter resistance from your insurer, don't hesitate to reach out to us for assistance. Our knowledgeable attorneys have extensive experience dealing with insurance companies and can help challenge claim denials or inadequate settlement offers.

We'll thoroughly review your policy, gather evidence, and construct a compelling argument to support your claim. Whether it's negotiating a fair settlement or litigating your case in court, we'll fight tirelessly to ensure that you receive the compensation you need to recover from your injuries and move forward with your life.

Underinsured/Uninsured Motorist FAQs:

What should I do if the at-fault driver flees the scene?

If you're involved in a hit-and-run accident, try to gather as much information as possible about the vehicle and driver. Then, report the incident to the police and your insurance company immediately. Our legal team can assist you in navigating the claims process and pursuing compensation through uninsured motorist coverage.

Can I sue the at-fault driver personally if they don't have insurance?

While it's possible to sue an uninsured driver for damages, recovering compensation can be challenging if they lack the financial means to pay. In such cases, uninsured motorist coverage becomes essential for covering your losses.

Does uninsured/underinsured motorist coverage apply to hit-and-run accidents?

Yes, uninsured/underinsured motorist coverage typically applies to hit-and-run accidents where the at-fault driver cannot be identified or located. In such cases, your own insurance policy steps in to cover your damages, including medical expenses and property damage.

We Know How To Navigate Insurance Claims

Our firm has handled personal injury claims from both sides, representing both plaintiffs and insurance defendants. This gives us an advantage that few Connecticut firms can match when representing victims of vehicle accidents caused by uninsured drivers. We have a thorough knowledge of the process for pursuing a first-party insurance claim and other avenues of compensation.

We make sure that our clients’ paperwork and documentation are in order to ensure that they receive the maximum compensation for medical expenses, vehicle damage, lost wages, and other financial losses.

Arrange A Free Consultation

If you have been involved in an accident and the other party does not have the insurance to compensate you, the Adler Law Group is here to navigate you through the insurance process. Contact our East Hartford uninsured accident lawyers to schedule a consultation. Call our office toll free at 860-412-4131.