It's every driver's worst nightmare: an accident with a driver who is uninsured. Making matters worse, you or a family member have been seriously injured. The question then is, "How do we get fairly compensated?" The answer to that question is through an uninsured motorist claim. Uninsured motorist coverage is one of the coverages which is normally provided when you buy full coverage from your own auto. In many states, injuries caused by a hit-and-run driver are resolved through uninsured motorist claims.
When you are involved in an accident with an uninsured motorist, an uninsured motorist claim allows you to make a claim against your own insurer for the full amount of your damages, up to your policy limits. Your insurer in effect takes the place of the uninsured driver. This allows you to recover the full amount of compensation due to you. Uninsured motorist claims can be made even when you are a pedestrian and are hit by a uninsured motorist.
Pursuing an uninsured motorist claim can be quite tricky. An experienced personal injury lawyer can help you recover the compensation you are due when you are injured by an uninsured motorist.
