When you are injured in a car accident, you can obtain compensation for your losses through the negligent driver's insurance company. What happens, then, when the negligent driver carries either no insurance or not enough insurance to provide compensation for your damages? If you carry uninsured and underinsured motorist coverage on your insurance policy, you will be protected.
An uninsured motorist (UM) or underinsured (UIM) motorist can enhance the complexity of a car wreck claim. If you were injured by an unknown driver, an uninsured driver or an underinsured driver, talk to the Fata Law Firm. Nate Fata has been an attorney for car accidents involving uninsured and underinsured drivers for over 20 years. He represents injured clients in Conway and throughout the Myrtle Beach and Horry County area.
Uninsured motorist claims typically arise from one of two scenarios:
In either situation, if you carry uninsured motorist coverage on your policy, your own insurance company will essentially act as the at-fault driver's insurance company to provide compensation. If you have uninsured or underinsured motorist coverage, you have been paying a separate premium amount for it and should use it so you and your family don't suffer from high medical costs and lost wages caused by the other driver.
A driver who does not carry enough insurance to compensate you for your extensive injuries and damages is considered an underinsured motorist. If you carry underinsured motorist coverage, you can collect damages that exceed the at-fault driver's coverage from your own insurance company.
The Fata Law Firm protects the rights of people who have been injured by the negligence of others. We can effectively handle complicated insurance matters on your behalf. If you were injured by an unknown driver or a driver with inadequate insurance coverage, contact us today to arrange a consultation.