Uninsured/Underinsured Motorist Claims
Accidents Caused by Drivers with Inadequate Insurance
car accidents occur, the victims are usually able to seek full compensation through
the at-fault party's insurance company. Unfortunately, this is not
an option for every accident victim. Sometimes, the driver who caused
the accident is uninsured or underinsured (meaning he or she does not
have the level of coverage needed to fully pay for the damages caused
to the victim). In other cases, the injury victim might have been in a
hit-and-run accident, in which it is impossible to obtain the other party's
People who find themselves in these types of scenarios might feel like
all hope is lost for obtaining the payment they need for recovery. The
truth, however, is that there could still be compensation options available
to these victims. At Roane Law, our Greensboro personal injury attorneys
can help the injured individuals explore their options for compensation,
which include Uninsured Motorist (UM) and Underinsured Motorist (UIM) claims.
Contact our firm today to
schedule your free initial case evaluation!
How UM/UIM Coverage Works
When drivers have this type of coverage included in their policies, they
can seek payment from their own insurance companies instead of, or in
addition to, the insurance companies of the at-fault parties. Uninsured
Motorist coverage provides compensation for both bodily injury and property
damage, while Underinsured Motorist coverage only pays for bodily injury,
according to the
North Carolina Department of Insurance. When the other driver has insurance but is considered "underinsured,"
the UIM coverage will only pay, at maximum, the difference between the
at-fault driver's liability policy limits and the victim's UIM
How Our Greensboro Car Accident Lawyers Can Help
Our law firm can help you file your claim with your insurance company and
prove the facts related to your case that show that your accident qualifies
under UM or UIM coverage. In some cases in which even this coverage is
not enough to completely cover the damages that occurred from the accident,
a lawyer might be able to help you take advantage of other options for
obtaining the compensation you deserve. Make sure that you have a knowledgeable
legal representative helping you protect your best interests.
Contact Roane Law so we can handle your UM or UIM claim on your behalf!