When a negligent driver causes someone injury in a car accident, that driver's insurance company is held liable for the victim's medical bills, vehicular damage, and any other accident-related losses. But if the negligent driver was uninsured at the time of the accident, the victim may feel hung out to dry as they struggle to cover the bills that should have been handled by insurance. Fortunately, there is a solution to this problem: uninsured motorist coverage.
As its name implies, uninsured motorist coverage protects you should you be injured in a car accident with an uninsured driver. Instead of collecting compensation from the other driver's insurance company, since they do not have one, you will collect compensation through the uninsured motorist coverage you have purchased from your own insurance company.
This coverage is not required in Rhode Island, unless you purchased more bodily injury coverage than the minimum (more than $25,000 per person and $50,000 per accident). Still, the extra cost of uninsured motorist coverage can greatly pay off in the event of a crash with an uninsured driver.
Filing a Claim Through Your Uninsured Motorist Coverage
The process for filing an uninsured motorist insurance claim is similar to that of any other car accident insurance claim: You will need to notify your insurance as soon after the accident as possible and make sure to provide as much evidence as you can. For instance, take pictures of the scene of the crash, swap contact information with the uninsured driver, and ask any witnesses if they would be willing to share their accounts of what happened.
And like any other insurance claim, your insurance company will typically try to get away with paying you as little as it can. If there is any insurance claim for which to hire an attorney, an uninsured motorist claim is the one. A good attorney will work tirelessly to protect you from being taken advantage of by your insurance company.
Trusted Rhode Island Injury Lawyers
At Karns & Kerrison, we have over 85 years of collective legal experience, which includes extensive experience with uninsured motorist claims. When an uninsured driver injures you, we are here to ensure that you are given the best possible chance at recovering compensation for your injuries and damages.
Schedule a free consultation today—call our Rhode Island firm at (888) 281-3100 or contact us online.