Uninsured Motorist Lawyer: Get Expert Help After an Accident

Getting into an accident with an uninsured driver can be incredibly frustrating and stressful. That’s where an uninsured motorist lawyer can really help—they’ll guide you through the claims process and fight for the compensation you need to recover.

Understanding Uninsured Motorist Coverage: What You Need to Know

When you are involved in an auto accident in New Jersey, there is always a risk the at-fault driver does not carry auto insurance.

This situation is more common than many people think. According to the law, drivers are required to have insurance, but sometimes the driver is uninsured or underinsured.

If you find yourself injured in a car accident caused by an uninsured motorist, it can be stressful. 

Uninsured motorist insurance steps in to help you recover compensation for your losses – even if the at-fault driver has no insurance.

This type of coverage can also protect you if the at-fault driver’s insurance policy limits are too low to cover your damages, a situation involving an underinsured driver.

Insurance companies offer uninsured and underinsured motorist coverage as part of your auto insurance policy, and it may help with both property damage and personal injury.

Uninsured motorist claims may be complicated. You may have to prove the other driver was at fault, the driver doesn’t have insurance, or sometimes you cannot identify the driver—such as in a hit-and-run motor vehicle accident. In each of these cases, uninsured motorist policy can help fill the gap left by an at-fault uninsured motorist.

If you have been injured in an accident with an uninsured motorist, a car accident lawyer can help you review your insurance policies and coverage options.

Understanding uninsured and underinsured motorist coverage and your rights is the first step to recovery and peace of mind.

Why Hiring an Uninsured Motorist Lawyer is Crucial for Your Case

If you are involved in a car accident with a driver who does not carry insurance, you need an experienced uninsured motorist lawyer New Jersey residents trust.

Filing an uninsured motorist claim is not always straightforward. Insurance companies may try to avoid paying you full compensation or dispute your personal injury claim. That is why consulting with an experienced attorney at a respected law firm like Lord, Kobrin, Alvarez & Fattell is essential.

A skilled uninsured motorist accident attorney knows how to navigate the complexities of New Jersey law, insurance policies, and negotiations with insurers.

The right lawyer can help you maximize your potential recovery for damages, pain and suffering, and property damage after an accident with an uninsured.

Without insurance, the at-fault driver may not be able to pay for your medical bills and expenses. An uninsured motorist lawyer will fight on your behalf. Here’s how an accident attorney can help:

• Review your auto insurance policy to determine the best options for compensation.
• Help you file a claim for uninsured and underinsured motorist coverage.
• Negotiate with the insurer, even if they initially deny your claim.
• Collect evidence to establish fault and the extent of your injuries.
• File a lawsuit against the at-fault driver, if necessary, to recover compensation.

Lord, Kobrin, Alvarez & Fattell offers a free consultation with an uninsured motorist accident lawyer today to discuss your case and explain your best course of action.

Top Qualities to Look for in an Uninsured Motorist Attorney

Choosing the right personal injury lawyer or car accident attorney for your case can make a significant difference in the outcome. When looking for an uninsured motorist lawyer in New Jersey, consider these top qualities:

Key Qualities:

• Experience: The attorney should have a proven track record handling cases involving uninsured or underinsured motorists.
• Expertise in Personal Injury Law: Knowledge of car accident claims, policy limits, and negotiations with insurance companies is crucial.
• Strong Communication Skills: A great attorney keeps you informed throughout the process and explains legal concepts clearly.
• Tenacity: Look for an attorney who is not afraid to take your case to court if the insurance company does not cooperate.
• Compassion and Understanding: An experienced attorney listens to your concerns and understands the physical, emotional, and financial impact of your injuries.
• Free Consultation: Reputable law offices, such as Lord, Kobrin, Alvarez & Fattell, offer a free initial consultation so you can get to know your attorney before making a decision.

The Process of Filing a Claim with an Uninsured Motorist Lawyer

After being involved in an accident with an uninsured or underinsured driver, understanding the process of filing a claim is important.

Steps to Take:

1. Report the Accident

   • Always report the accident to the police at the time of the accident. This documentation is crucial for your claim.
   • Inform your insurance company as soon as possible.

2. Seek Medical Attention

   • Get medical help immediately if you are injured in an accident. Your health and medical records will serve as vital evidence in your personal injury case.

3. Notify Your Insurer

   • Inform your insurer about the accident involving an uninsured or underinsured motorist as soon as possible. Some policies have strict deadlines.

4. Consultation with an Uninsured Motorist Attorney

   • Contact an injury lawyer or personal injury attorney to evaluate your situation. Lord, Kobrin, Alvarez & Fattell provides a free consultation to review your motorist insurance and the details of the accident.

5. Investigation

   • Your uninsured motorist lawyer will collect evidence, interview witnesses, and gather documentation, including photographs, police reports, and insurance policies.

6. File a Claim

   • Your lawyer can help you file a personal injury claim or property damage claim under your uninsured motorist coverage and negotiate with insurance companies.

7. Negotiation and Settlement

   • If the insurer offers a fair settlement, your accident lawyer can help you recover compensation more quickly.

8. File a Lawsuit if Necessary

   • If you cannot settle with the insurer or at-fault uninsured motorist, your motorist accident attorney can help by filing a lawsuit to pursue damages.

Throughout this process, a lawyer from Lord, Kobrin, Alvarez & Fattell will be with you every step, ensuring your best interests are represented.

Common Challenges and How an Uninsured Motorist Lawyer Can Help

Navigating an uninsured motorist accident claim can present several challenges. Accident lawyers at Lord, Kobrin, Alvarez & Fattell have the skill and experience to address these issues:

• Insurance Denials: Insurance companies may deny your claim, dispute liability, or argue that you are not entitled to uninsured and underinsured motorist benefits.
• Identifying the At-Fault Driver: Sometimes you cannot identify the driver involved (hit-and-run). A lawyer can help gather evidence to support your claim.
• Valuing Claims Correctly: Calculating pain and suffering, medical expenses, and property damage can be difficult without professional help.
• Policy Limits Issues: If damages exceed policy limits, your attorney will pursue all available avenues for compensation.
• Delays or Bad Faith Practices: Insurers might use delay tactics or act in bad faith to avoid paying claims.

A great attorney from Lord, Kobrin, Alvarez & Fattell will fight for your rights regardless of whether the accident involved an uninsured or underinsured motorist and whether the at-fault driver has no insurance.

Frequently Asked Questions