If you or a loved one has been injured due to the fault of an uninsured or underinsured driver, you may still be entitled to compensation for your medical bills, lost income, and pain and suffering. Many states require owners of vehicles to have this coverage on their automobile insurance policy. We charge no legal fees until you receive a settlement or award. Call us toll-free, 24/7 or contact us online for a free consultation.

Have You Been Injured From A Driver That Is
Uninsured or Underinsured?
Call The Car Accident Lawyers For The Help You Deserve.

Uninsured Drivers

An uninsured driver is a driver who operates a vehicle without automobile insurance coverage. These uninsured drivers do not have what is called liability coverage for the vehicle they are operating. Failing to have liability coverage for your vehicle is considered a crime in most states. Hit and run drivers also fall under the category of uninsured drivers for insurance purposes. When an accident occurs and the other driver has left the scene without providing sufficient information, a positive identification of their license plate can be helpful in later attempts to identify the fleeing motorist.

Underinsured Drivers

An underinsured driver is a driver who has liability coverage for their vehicle; however, the dollar amount of that coverage is insufficient to compensate you for your injuries sustained in the accident.

Insurance Implications

In the states of Rhode Island, Massachusetts, and Connecticut, all insurance policies must include uninsured motorist coverage. This provision in the policy is intended to protect the insured driver in the event that they are struck by another driver who does not have insurance. When an uninsured driver injures you, you can file a claim with your own insurance company to be compensated for your injuries.

Some insurance policies also include underinsured motorist coverage. This coverage applies if you were hurt by a driver whose insurance is not enough to compensate you for your injuries. If you have underinsured coverage, it may be available to “fill the gap” between the negligent driver’s coverage and what you have accrued as damages associated with the injuries you sustained in the accident.

Because uninsured and underinsured insurance claims can be complicated and policy limits vary by state, it is important to consult with a knowledgeable attorney about your automobile accident. Insurance companies often try to dispute these types of claims so they do not have to pay for your injuries. If you have been injured by an uninsured or underinsured motorist, tell the insurance company that you mean business. Feel free to call the Law Offices of d’Oliveira & Associates at 1-800-992-6878, or fill out a contact form online for a free consultation of your uninsured or underinsured accident claim.