Uninsured Motorist Claims Attorney
Filing an Uninsured or Underinsured Motorist Claim
Nearly all states require drivers to carry some form or basic liability insurance. However, studies have found that as many as one in eight—or 12.6 percent—of drivers in the United States do not have any type of auto insurance, and many more lack enough insurance coverage to adequately compensate accident victims for damages.
If you were involved in an 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, vehicle repairs, and other unexpected damages, like lost income? In fact, depending on where you live and what type of auto insurance coverage you have, you may have several 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. Our uninsured motorist claims attorneys can ensure that you understand your options and assist you in the claims filing process.
What Is Uninsured/Underinsured Motorist Coverage?
Uninsured motorist (UM) and underinsured motorist (UIM) coverage is a form of auto insurance meant to protect drivers who are involved in accidents with other drivers who do not have adequate auto insurance or any auto insurance coverage. Laws regarding UM and UIM coverage vary from state to state; where you live affects whether UM/UIM coverage is mandatory, as well as what types and amounts of compensation you can recover by filing a UM or UIM claim.
That being said, most UM/UIM insurance policies only cover economic damages. This means that they may provide compensation for the following:
- Medical expenses
- Travel to and from medical appointments and treatments
- Lost income/wages
- Miscellaneous out-of-pocket expenses
In nearly all cases, UM/UIM insurance does not cover non-economic damages, such as pain and suffering, lost earning ability, or emotional distress. However, our UM claims attorneys at Tom McGrath’s Motorcycle Law Group can work with you to assess what types of compensation you may be entitled to receive after an accident with an uninsured or underinsured motorist. We offer 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 $25,000/$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 auto insurance to cover the cost of your damages, filing a UM or UIM claim may be your best option for recovering compensation. Our uninsured motorist claims attorneys at Tom McGrath’s Motorcycle Law Group can help you with every aspect of your claim, from determining your eligibility to putting together evidence to support your claim and 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. We offer free case evaluations and contingency fees, meaning you do not pay any out-of-pocket expenses when you work with our firm. Instead, we only collect legal fees if we recover a settlement or verdict on your behalf.