Robert Nye is an exceptional lawyer with absolute integrity and honor.

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Mr. Maines made me feel like I was his first priority.

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Mr. Nye has gone far above and beyond my expectations.

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Underinsured and Uninsured Drivers: How We Can Help

Many people are unaware of how their insurance policies can come in handy when they have been involved in a very specific accident. Picture this: You’re driving along when, all of a sudden, you are struck by another vehicle. Now you are left with injuries and you aren’t sure how to recover. But things are about to get worse because you find out that the driver who hit and injured you does not have insurance, or they have poor insurance coverage. We can help you understand underinsured and uninsured policies and how they can come in handy in regards to your claim.

Understanding Both Types of Coverage

uninsured driver accident lawyer Perhaps you have never heard of underinsured or uninsured coverage or you are familiar with exactly how it works. Today we will help you understand both.

Uninsured Coverage: Uninsured motorist coverage kicks in when a driver hits you and they don’t have any insurance coverage whatsoever. Your first thought might be: I want to sue the driver for the accident and attempt to recover any damages possible. However, think of it this way… If the driver does not have insurance, they probably don’t have much in the way of financial assets, which means that you won’t gain what you want in recovery. This means that you will be left making an uninsured driver claim against your own policy so that you can receive what you deserve.

Underinsured Coverage: Underinsured coverage works a bit differently because it kicks in when the driver does have car insurance, but it is insufficient and will not cover you. You would, again, make a claim against your own insurance company for the limit of your coverage provided your policy coverage is better than the coverage that the negligent driver carries. This works wonderfully in cases where the driver’s insurance will only cover up to $100,000 of your damages, but your damages are well over $300,000. You cannot force coverage that is simply not there, so you could have your own policy kick in when they can no longer pay you.

Making Your Claim

Drivers must be insured, which is why it is taken very seriously when a driver hits you and was driving around without insurance. You don’t want to delay when you’re making your claim because it is not unheard of for very short deadlines to be in place. You may have as little as 30 days to let your insurance company know that the driver was driving with no insurance or little insurance coverage. The best way to tell that the other party is probably uninsured is when they outright tell you that they don’t have any car insurance or when they refuse to give you their information in the event of an accident.

Sometimes, it is impossible to tell the extent of your injuries right off the bat. This is why you want to keep up with medical attention and ensure that you do everything your doctor and attorney asks you to do during this time. It can help out your claim in the months to come. We have your best interests at heart and want to speak with you immediately at the Nye Law Group. We work with the insurance companies in your case to get you the best results, and we don’t want you to miss out on the damages you deserve. Give us a call today for more information at 855-636-9277.

Sources:

http://www.alllaw.com/articles/nolo/auto-accident/insurance-claim-underinsured-uninsured-drivers.html

https://www.thenyelawgroup.com/

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CONVENIENT LOCATIONS Throughout the SouthEast

Charlotte, NC

402 West Trade Street,
Suite 112
Charlotte, NC

704-862-4177 get directions

Savannah, GA

2008 Whitaker Street
Savannah, GA 31401

912-732-0249 get directions

Hinesville, GA

306 North Main Street,
Suite 1B
Hinesville, GA 31313

912-200-5233 get directions

Bluffton, SC

25 Clarks Summit Drive,
Suite 102
Bluffton, SC 29910

843-420-1555 get directions

Charlotte, NC

402 West Trade Street,
Suite 112
Charlotte, NC

704-862-4177 get directions

Savannah, GA

2008 Whitaker Street
Savannah, GA 31401

912-732-0249 get directions

Hinesville, GA

306 North Main Street,
Suite 1B
Hinesville, GA 31313

912-200-5233 get directions

Bluffton, SC

25 Clarks Summit Drive,
Suite 102
Bluffton, SC 29910

843-420-1555 get directions
View all locations
CONTACT US

NO PRESSURE. SPEAK TO AN ATTORNEY. NO HIDDEN FEES.

* All Fields Required

Or Call 855-856-4212