Uninsured Motorist Claims

Uninsured Motorist Claims Attorney

Filing an Uninsured or Underinsured Motorist Claim

Nearly all states require motorcyclists to carry some form of basic liability insurance to cover damages in the event of a crash. However, studies have found that as many as one in eight—or 13% —of motorists in the United States do not have any type of auto insurance, and many more only carry the minimum requirements for their states, which often does not adequately compensation accident victims for their damages.

If you were involved in a motorcycle accident with an uninsured or underinsured motorist, you may be wondering what to do next. How will you recover the compensation you need to manage expensive medical bills, motorcycle repairs, and other unexpected damages, like lost income? Depending on where you live and what type of motorcycle insurance coverage you have, you may have several options. Do not trust the insurance companies to tell you all of your options.

If you need help recovering compensation after an accident with an uninsured or underinsured motorist, reach out to Tom McGrath’s Motorcycle Law Group. Since 1990, we have been helping victims of all types of car, motorcycle, and truck accidents obtain the justice they deserved.

Contact us online or call (855) 529-7433 today to request a free consultation with a member of our team. There are no fees unless we recover compensation for you.

What Is Uninsured/Underinsured Motorist Coverage?

Uninsured motorist (UM) and underinsured motorist (UIM) coverage is a form of insurance meant to protect motorists – such as a motorcyclist, driver, or trucker – who are involved in accidents with other motorists who do not have adequate liability insurance or any insurance coverage at all. Laws regarding UM/UIM coverage vary from state to state, so where you live affects what types and amounts of compensation you can recover by filing a UM/UIM claim.

A typical UM/UIM policy can provide for:

  • Vehicle Damage
  • Medical expenses
  • Travel to and from medical appointments and treatments
  • Lost income/wages
  • Miscellaneous out-of-pocket expenses

The Motorcycle Law Group offers highly personalized and professional services tailored to each client’s unique needs, concerns, and goals.

Is UM/UIM Insurance Mandatory?

Every state has different laws and requirements regarding uninsured and underinsured motorist coverage.

Among the states in which our firm handles cases, the following require all motorists to carry some form of UM/UIM insurance:

  • North Carolina: Motorists must have at least $30,000 in UM coverage for bodily injury per person and $60,000 in bodily injury per accident, as well as $25,000 in property damage.
  • South Carolina: All motorists must have a minimum of $25,000/$50,000 in UM coverage for bodily injury per person/accident and $25,000 in property damage with a $200 deductible.
  • Virginia: Motorists must have at least $30,000/$50,000 in UM coverage for bodily injury per person/accident and $25,000 in property damage, subject to a $200 deductible.
  • West Virginia: Motorists must have at least $25,000 in UM coverage for bodily injury per person and $50,000 in bodily injury per accident, as well as $25,000 in property damage UM coverage
  • Georgia: Although Georgia does not require UM/UIM coverage, insurance carriers must offer this coverage to policyholders, who may choose to opt out in writing (verbally rejecting UM/UIM coverage is not sufficient to formally opt out).

Helping Victims of Hit-and-Run and Uninsured Motorist Accidents

If you were injured by someone who fled the scene of the accident, or if you were involved in an accident with someone who doesn’t have enough insurance to cover the cost of your damages, filing a UM/UIM claim may be your best option for recovering compensation. The Motorcycle Law Group can help you with every aspect of your claim, from determining your eligibility and putting together evidence to support your claim while handling all communication with the insurance company.

With over 30 years of experience, our team has the resources, skills, and in-depth legal knowledge to effectively advocate for you.

Get in touch with us today at (855) 529-7433 or reach us online at any time to set up a complimentary consultation with one of our UM claims attorneys.

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