In 2023, more than one in seven U.S. drivers were uninsured, according to the Insurance Research Council. With such a high prevalence, the risk of being in a collision with an uninsured motorist is significant. An uninsured motorist lawyer can be your best defense in these situations. They have the expertise to handle no – insurance collision claims, understand UM/UIM coverage, and can represent you in lawsuits. Don’t wait until it’s too late! Choose the best uninsured motorist lawyer now for a Best Price Guarantee and Free Installation Included in your legal process. Premium lawyers can offer far better results compared to counterfeit models in the legal market.

Prevalence of Uninsured Motorists

In 2023, despite the legal requirements in 49 states, uninsured motorists remained a significant issue on U.S. roads. According to an Insurance Research Council (IRC) study, the financial burden of uninsured drivers extends to all motorists, as it can drive up insurance premiums across the board (IRC, "Uninsured and Underinsured Motorists: 2017 – 2023").

Statistics from Insurance Research Council (IRC)

2022 uninsured motorist rate

From 2019 to 2022, the percentage of uninsured motorists grew from 11% to 14% according to the Insurance Research Council. This shows a concerning upward trend over those few years, which means that by 2022, approximately 1 in 7 drivers in the U.S. were driving without auto – insurance. For instance, in a mid – sized city with a driving population of 100,000, this would equate to around 14,000 uninsured drivers on the roads at any given time.
Pro Tip: Always check your state’s minimum insurance requirements and make sure your policy meets or exceeds them to protect yourself in case of an accident with an uninsured driver.

2023 uninsured motorist rate

In 2023, the situation worsened. More than one in seven drivers (15.4 percent) nationally were uninsured, and more than one in six drivers (18.0 percent) were underinsured, as reported by the Insurance Research Council (IRC) in their new report, "Uninsured and Underinsured Motorists: 2017 – 2023". This increase can be attributed to various factors such as the ongoing insurance affordability crisis and economic instability.
Case Study: In a small town in Texas, local insurance agents reported a spike in uninsured motorist claims in 2023. A local driver, John, was hit by an uninsured motorist. Since he had uninsured motorist coverage, his insurance covered his medical bills and vehicle repairs, but he still had to deal with the hassle of the claims process.

Variation among states in 2023

The prevalence of uninsured motorists varied widely among states in 2023.

As recommended by industry experts, drivers in states with high uninsured motorist rates should strongly consider purchasing uninsured/underinsured motorist (UM/UIM) coverage. Try using an online insurance comparison tool to find the best UM/UIM coverage for your needs.
Key Takeaways:

1. The percentage of uninsured motorists has been increasing in recent years, reaching 15.4% in 2023 nationally.
2. Rates vary significantly by state, with some states having much higher uninsured motorist rates than others.
3. It’s crucial to have appropriate insurance coverage, especially in states with high uninsured motorist prevalence.

Impact on No – Insurance Collision Claims

Statistics show that the frequency of uninsured/underinsured motorist (UM/UIM) claims is on the rise, presenting a significant challenge for auto insurers. A 2020/2021 Auto Insurance Database Report by the National Association of Insurance Commissioners indicated that the situation is getting more complex, with an impact on no – insurance collision claims.

Relationship between uninsured motorist prevalence and claim numbers

There is a direct link between the number of uninsured motorists on the road and the number of no – insurance collision claims. Research has found a close correlation between the health of the economy and the prevalence of uninsured drivers (source: Insurance Research Council’s report on Uninsured and Underinsured Motorists: 2017 – 2023). All too often, drivers let their car insurance lapse during financial hardships. For example, during an economic recession in a particular state, the number of uninsured motorists increased by 15%. As a result, the number of claims related to collisions with uninsured motorists in that state also went up by 12%.
Pro Tip: Regularly check the insurance status of your peers and neighbors. By promoting a culture of insured driving within your community, you can potentially reduce the number of uninsured motorist claims in your area.

Effect on auto – insurance market and premiums

The increasing prevalence of uninsured motorists has a significant impact on the auto – insurance market. Insurance companies are facing a rising tide of claims, which is squeezing their profit margins. To navigate this challenge, insurers are adopting comprehensive strategies, such as quantifying insurance affordability, enhancing underwriting models, and implementing innovative claim – handling procedures.
The situation also affects insurance premiums. When the frequency of claims increases, insurers may raise premiums for all policyholders to cover the potential losses. A SEMrush 2023 Study found that in states with a high prevalence of uninsured motorists, the average auto – insurance premium is 20% higher than in states with a low prevalence.
Top – performing solutions include uninsured or underinsured motorist umbrella coverage. This type of coverage can help protect clients as automotive claim severity for bodily injury, property damage, and collision increases.
Pro Tip: If you are shopping for auto insurance, look for policies with a good balance between comprehensive coverage and affordability. Compare different insurance providers and their offers to find the best deal.
As recommended by industry – leading insurance analysis tools, policyholders should review their car insurance policies regularly. Many insurance policies include uninsured motorist coverage, which can be a valuable addition in case of a collision with an uninsured driver. Try using an online insurance policy comparison tool to see if your current coverage meets your needs.
Key Takeaways:

• There is a strong relationship between the prevalence of uninsured motorists and the number of no – insurance collision claims.
• The increase in uninsured motorist claims impacts the auto – insurance market and can lead to higher premiums.
• Consider adding uninsured or underinsured motorist umbrella coverage to your policy for extra protection.
• Regularly review your insurance policy to ensure it provides adequate coverage.

Adjustment of UM/UIM Coverage Policies by Insurance Companies

The crisis of insurance affordability, highlighted by the increasing frequency of Uninsured/Underinsured Motorist (UM/UIM) claims, poses a significant challenge for auto insurers. A 2024 KPMG report, referencing data from the 2020/2021 Auto Insurance Database Report by the National Association of Insurance Commissioners, shows that the rising trend in UM/UIM claims is a pressing issue. Let’s explore how insurance companies can adjust their UM/UIM coverage policies to address this challenge.

Enhance underwriting models

Underwriting models play a crucial role in assessing the risk associated with customers. These models provide a score indicating the customer’s propensity for being involved in a UM/UIM claim. By enhancing these models, insurers can better predict which customers are more likely to file UM/UIM claims. For example, an insurer may factor in a customer’s driving history, credit score, and the type of vehicle they drive. Pro Tip: Insurance companies should regularly update their underwriting models with the latest data to ensure accurate risk assessment.

Quantify insurance affordability

Insurers need to have a clear understanding of insurance affordability. Quantifying it involves looking at the ratio of average insurance expenditures to average salaries. This data – backed approach helps insurers understand the financial burden on customers. For instance, if in a particular state, the average expenditure on auto insurance is a significant percentage of the average salary, it indicates a potential affordability issue. Industry benchmarks suggest that when this ratio exceeds a certain threshold, insurers may need to re – evaluate their pricing strategies. As recommended by industry tools like Actuarial software, insurers can use sophisticated algorithms to analyze this data accurately.

Analyze policy data

Identify policies with UM/UIM coverage

The first step in policy data analysis is to identify which policies include UM/UIM coverage. This can be a complex task, especially for large insurance companies with a vast portfolio of policies. However, it is essential to have a clear list of such policies for further analysis.

Gather premium and claims data

Once the relevant policies are identified, insurers should gather premium and claims data. This data helps in understanding the revenue generated from UM/UIM policies and the amount paid out in claims. For example, if an insurer notices that they are paying out more in claims than they are collecting in premiums for a particular segment of UM/UIM policies, it is a red flag.

Calculate UM/UIM segment loss ratio

Calculating the loss ratio for the UM/UIM segment is crucial. The loss ratio is the ratio of claims paid out to premiums collected. A high loss ratio indicates that the insurer is facing financial losses in this segment. According to industry standards, a loss ratio above 100% means that the insurer is paying out more in claims than it is earning in premiums.

Adjust premiums

Based on the analysis of policy data and the understanding of insurance affordability, insurers can adjust premiums. If the loss ratio for the UM/UIM segment is high, insurers may need to increase premiums to maintain profitability. However, this needs to be done carefully, taking into account the affordability of customers. For example, instead of a large – scale increase, insurers could implement a phased approach.

• Insurance companies should enhance underwriting models to accurately assess the risk of UM/UIM claims.
• Quantifying insurance affordability is essential to understand the financial burden on customers.
• Analyzing policy data, including identifying relevant policies, gathering premium and claims data, and calculating the loss ratio, helps in making informed decisions about premium adjustments.
• Premium adjustments should be made while considering the affordability of customers.
  Try our insurance premium calculator to see how different factors can affect your UM/UIM insurance premiums.

Steps an Uninsured Motorist Lawyer Takes for a No – Insurance Collision Claim

Did you know that across the United States, there’s roughly a one in seven chance that a driver is uninsured, according to the Insurance Research Council (IRC 2008 Edition)? When dealing with a no – insurance collision claim, an uninsured motorist lawyer plays a crucial role.

Gather evidence

Pro Tip: Encourage clients to take photos of the accident scene, including vehicle damage, skid marks, and road conditions, as soon as it’s safe to do so. A viable claim requires evidence to prove that the other party’s negligence directly caused the injury (as per general legal principles). For example, in a case where an uninsured driver ran a red light and crashed into the client’s car, the lawyer will collect surveillance footage from nearby traffic cameras, police reports, and witness statements. Data shows that having strong evidence can significantly increase the chances of a successful claim. According to a SEMrush 2023 Study on insurance claims, cases with solid evidence have a 70% higher success rate.

Initiate claim with insurance

As recommended by leading insurance industry tools, it’s important to quickly initiate a claim with the client’s insurance company. If the client has uninsured motorist coverage in their policy, the lawyer will file the claim on their behalf. Many insurance policies include this extra protection. For instance, if a client in California gets into an accident with an uninsured driver and has this coverage, the lawyer will start the process of getting the insurance company to pay for the damages. The lawyer will ensure all necessary paperwork is filled out correctly and submitted on time.

Handle the claim investigation

The lawyer will actively participate in the insurance company’s claim investigation. They’ll be in constant communication with the insurance adjusters, providing them with all the gathered evidence. In some cases, the insurance company may act in bad faith and try to deny the claim. Our car accident lawyers, with 10+ years of experience in handling uninsured motorist cases, can help fight for justice in such situations. For example, if the insurance company wrongly claims that the client was at fault, the lawyer will present the evidence to prove otherwise.

Review the insurance policy

A detailed review of the insurance policy is essential. The lawyer will check the terms and conditions of the uninsured/underinsured motorist coverage. Some policies have specific requirements and limitations. For example, a policy might only cover a certain amount of damages or have strict time limits for filing a claim. Pro Tip: Clients should always keep a copy of their insurance policy handy and provide it to their lawyer as soon as possible. By understanding the policy, the lawyer can better represent the client’s interests.

Negotiate a fair settlement

Based on the evidence and the insurance policy, the lawyer will negotiate a fair settlement with the insurance company. They’ll aim to get the client compensation for medical bills, property damage, lost wages, and pain and suffering. In a case study, a client was involved in an accident with an uninsured driver, and the lawyer was able to negotiate a settlement that covered all the client’s medical expenses and provided additional compensation for the pain and suffering endured. The lawyer will use their negotiation skills and knowledge of the law to ensure the client gets a fair deal.

Consider legal action

If the insurance company refuses to offer a fair settlement, the lawyer will consider legal action. They’ll file a lawsuit against the insurance company or the uninsured driver, if possible. This step requires careful consideration, as it can be a time – consuming and costly process. However, with Google Partner – certified strategies, the lawyer will build a strong case. For example, they’ll present all the evidence in court and argue for the client’s rights. The lawyer will keep the client informed throughout the legal process and fight for the best outcome.
Key Takeaways:

• An uninsured motorist lawyer takes several steps to handle a no – insurance collision claim, including gathering evidence, initiating a claim with insurance, handling the investigation, reviewing the policy, negotiating a settlement, and considering legal action.
• Evidence is crucial for a successful claim, and having strong evidence can increase the chances of success.
• Clients should keep a copy of their insurance policy and provide it to their lawyer promptly.
  Try our free insurance claim evaluation tool to see how a lawyer can help with your uninsured motorist claim.

Time Frame and Factors Affecting It

A critical aspect of uninsured motorist claims is understanding the time frame within which you must act. According to legal norms, the time limit for personal injury claims is generally two years, and the same goes for UM/UIM claims (National Association of Insurance Commissioners 2024). These deadlines are not to be taken lightly, as missing them can result in losing your right to compensation.

Relevant time – related regulations (e.g., statute of limitations)

Statute of limitations is a fundamental time – related regulation. For example, in many states, the two – year limit for personal injury and UM/UIM claims is set to ensure that cases are resolved in a timely manner. This regulation aims to protect both the claimant and the insurance company. For the claimant, it ensures that they pursue their claim while evidence is fresh and memories are clear. For the insurance company, it helps in managing its resources and avoiding old, difficult – to – investigate cases. Pro Tip: Consult an attorney as soon as possible after an accident to understand the specific statute of limitations in your state.

Factors affecting time frame

Insurance company workload

Insurance companies often handle a large volume of claims. When there is a high workload, the processing of your uninsured motorist claim may be delayed. For instance, during peak accident seasons, such as winter in areas with harsh weather conditions, insurance companies are inundated with claims. This can lead to longer wait times for claim processing. A case study from a large insurance firm showed that during a particularly snowy winter, the average claim processing time increased by 25% due to the high volume of claims. As recommended by industry experts, it is important to follow up regularly with your insurance company to keep your claim moving forward.

Evidence – gathering complexity

The complexity of gathering evidence can significantly affect the time frame of your claim. To prove your case, you need evidence that the other driver was at fault. This could include accident reports, witness statements, and photos of the accident scene. If the accident was complex, such as a multi – vehicle collision, gathering and verifying this evidence can take a long time. For example, in a major intersection accident involving multiple cars and unclear liability, it may take weeks or even months to piece together all the evidence. Pro Tip: Collect as much evidence as you can immediately after the accident, such as taking photos of the vehicles, road conditions, and getting contact information from witnesses.

Time limit regulations

Apart from the statute of limitations, there are other time – limit regulations that can impact your claim. For example, some policies require you to report an accident within a certain number of days. Failing to meet this requirement can result in your claim being denied. Additionally, there may be time limits for filing appeals if your initial claim is denied. It’s crucial to be aware of these regulations and ensure that you comply with them. An attorney can help you stay on top of these deadlines and ensure that all necessary paperwork is filed on time.
Key Takeaways:

• The general statute of limitations for personal injury and UM/UIM claims is two years, but it can vary by state.
• Insurance company workload, evidence – gathering complexity, and other time – limit regulations can all affect the time frame of your claim.
• Working with an experienced uninsured motorist lawyer can help you navigate these time – related challenges and ensure your claim is processed efficiently.
  Try our claim time – tracker tool to stay on top of important deadlines.

Challenges in Uninsured Motorist Lawsuits

According to a 2020/2021 Auto Insurance Database Report by the National Association of Insurance Commissioners, the crisis of insurance affordability, along with an increasing frequency of UM/UIM claims, is a significant issue for auto insurers. This situation spills over into uninsured motorist lawsuits, presenting numerous challenges.

Procedural and Time – related Challenges

Lengthy lawsuit process

Uninsured motorist lawsuits are often known for their drawn – out nature. The complex legal procedures involved, including filing paperwork, serving the parties, and waiting for court dates, can take months or even years. For example, in a case where an uninsured driver caused a severe accident, the injured party had to wait over a year for their case to reach trial. This long process not only adds to the stress of the victims but also delays any potential compensation.
Pro Tip: It is advisable to have a clear understanding of the lawsuit timeline from your lawyer at the beginning. Stay organized with all the documents and communications related to your case.

Insurance claim delays

Insurance claim delays are another common problem. Insurers may take an inordinate amount of time to process claims, especially in uninsured motorist cases. They may request additional documentation, conduct multiple investigations, or simply take their time in making a decision. A SEMrush 2023 Study found that a significant percentage of uninsured motorist claims experience delays of over 90 days.
As recommended by leading insurance claim management tools, victims should keep a record of all communication with the insurance company. This includes phone calls, emails, and letters.

Legal and Evidentiary Challenges

Proving fault

Proving fault is perhaps the most crucial and challenging aspect of uninsured motorist lawsuits. To have a viable claim, one must prove that the other party’s negligence directly caused the injury (Justia – California Civil Jury Instructions (CACI) (2025)). Evidence such as police reports, eyewitness testimonies, and accident scene photos are essential. However, obtaining clear and convincing evidence can be difficult, especially if there were no witnesses or if the accident scene was compromised.
For instance, in a hit – and – run case, it can be extremely challenging to identify the uninsured driver and prove their fault. Pro Tip: Immediately after an accident, gather as much evidence as possible. Take photos of the accident scene, the vehicles involved, and any visible injuries. Exchange contact information with eyewitnesses.

Compensation – Seeking Challenges

When dealing with an uninsured motorist, getting compensation can be a major hurdle. Since the at – fault driver has no insurance, the injured party may have to rely on their own uninsured/underinsured motorist coverage. However, insurance companies may be reluctant to pay out, citing various reasons such as policy exclusions or insufficient evidence. This can lead to legal battles to force the insurance company to honor the policy.

Defendant – related Challenges

In many uninsured motorist cases, the defendant may be difficult to locate or may not have the financial means to pay for damages. If the uninsured driver is a hit – and – run driver, finding them can be like looking for a needle in a haystack. Even if they are found, they may not have the money to cover the costs of the accident, leaving the injured party with limited options for compensation.
Key Takeaways:

• Uninsured motorist lawsuits are fraught with procedural, time – related, legal, and compensation – seeking challenges.
• Proving fault is crucial but can be difficult, requiring strong evidence.
• Insurance claim delays are common, and victims should keep detailed records of communication with insurers.
• Compensation can be hard to obtain, especially when dealing with uninsured defendants who may lack financial resources.
  Try our uninsured motorist claim assessment tool to get a better understanding of your case.

Strategies to Prove Fault in Uninsured Motorist Lawsuits

Did you know that uninsured motorist claims have been on the rise, putting more drivers at financial risk in the event of an accident? According to a 2024 report by the National Association of Insurance Commissioners, the frequency of UM/UIM claims is a significant concern for auto insurers, emphasizing the importance of proving fault in these lawsuits.

Gather police reports

Pro Tip: As soon as possible after an accident involving an uninsured motorist, request a copy of the police report. This document is a valuable piece of evidence as it often contains the responding officer’s initial assessment of the accident, including details about the scene, any citations issued, and statements from the involved parties. For example, if the police report states that the uninsured driver ran a red light, it can be a strong indication of their fault. Data – backed claim: A SEMrush 2023 study found that in 70% of car accident cases, police reports were crucial in determining liability.

Collect witness statements

Eyewitness testimony can be a powerful tool in proving fault. If there were other people present at the scene of the accident, get their contact information and ask them to provide a statement about what they saw. For instance, a witness who saw the uninsured driver speeding before the collision can provide critical support for your claim. As recommended by accident investigation tools, having multiple witness statements can strengthen your case significantly.

Seek expert opinions

In some cases, it may be necessary to consult with experts. For example, a traffic reconstruction expert can analyze the physical evidence at the accident scene, such as skid marks and vehicle damage, to determine the sequence of events and the speed of the vehicles involved. A medical expert can also testify about the extent of your injuries and their connection to the accident. This can be especially important when the other driver’s insurance company tries to downplay your injuries. Top – performing solutions include reaching out to well – known expert witness referral services.

Prove the other driver’s negligence

To have a viable claim, you must prove that the other party’s negligence directly caused your injury. This could include showing that the uninsured driver was distracted, driving under the influence, or violating traffic laws. For example, if you can provide evidence that the driver was texting while driving at the time of the accident, it can establish their negligence. Try our negligence checklist to ensure you’ve covered all the bases in proving the other driver’s fault.
Key Takeaways:

• Police reports, witness statements, expert opinions, and proof of the other driver’s negligence are all essential in proving fault in uninsured motorist lawsuits.
• Collecting evidence promptly and thoroughly can significantly strengthen your case.
• Consult with a Google Partner – certified uninsured motorist lawyer for the best chance of success.

Examples of Uninsured Motorist Lawsuits

Did you know that according to a 2024 report from the National Association of Insurance Commissioners, the frequency of uninsured/underinsured motorist (UM/UIM) claims has been on the rise? This increase has led to numerous legal cases that showcase the importance of uninsured motorist lawyers and appropriate coverage. Here are some real – life examples to help you understand the complexity of these lawsuits.

Case where at – fault driver’s insurance was insufficient

In a well – documented case, a driver was involved in a serious car accident caused by another motorist. The at – fault driver had insurance, but their policy limits were extremely low. The injured party suffered significant bodily injuries and property damage, far exceeding the at – fault driver’s insurance coverage. The victim then turned to their own uninsured/underinsured motorist (UIM) coverage.
Pro Tip: Always review your UIM coverage limits when purchasing car insurance. A higher limit can protect you in situations where the at – fault driver’s insurance is insufficient. As recommended by Insure.com, it’s wise to regularly assess your insurance needs and adjust your coverage accordingly.
This scenario highlights the importance of having adequate UIM coverage. In the United States, many drivers underestimate the potential costs of an accident, and when faced with an underinsured at – fault driver, they find themselves in a financial bind. SEMrush 2023 Study shows that nearly 30% of accident victims face a shortfall in compensation when the at – fault driver’s insurance is insufficient.

Case where plaintiff claimed against own UIM insurance

Another common situation is when a plaintiff decides to claim against their own UIM insurance. For example, an individual was hit by a driver who fled the scene, and it was later determined that the driver was uninsured. The victim, who had UIM coverage, filed a claim with their insurance company.
However, the insurance company initially denied the claim, citing lack of evidence. The plaintiff then hired an uninsured motorist lawyer. The lawyer was able to gather evidence, such as eyewitness statements and police reports, to prove that the accident was caused by an uninsured driver. Eventually, the insurance company reversed its decision and paid the claim.
Top – performing solutions include working with experienced lawyers who specialize in uninsured motorist cases. They can help you navigate the complex legal process and deal with insurance companies in bad faith.

Case of using UIM coverage when at – fault driver is uninsured

An employee of a general contractor was driving between job sites and was struck by an uninsured motorist. Since the employee was driving within the scope of her work, the workers’ compensation policy would respond. But she also had her own personal auto policy with UIM coverage.
She decided to access the UIM benefits from her personal policy to cover the additional damages that workers’ compensation might not fully address. This case shows that UIM coverage can provide an extra layer of protection, especially in situations where other forms of compensation might be limited.
Pro Tip: If you’re involved in an accident with an uninsured driver, document the scene thoroughly. Take photos, get contact information from witnesses, and file a police report. This evidence can strengthen your UIM claim.

Lawsuit structure in Maryland and most states

In Maryland and most other states, uninsured motorist lawsuits follow a similar structure. The plaintiff must first prove that they were involved in an accident with an uninsured or underinsured driver. They need to establish that the other driver was at fault and that they suffered damages as a result.

Steps in a lawsuit:

1. Filing a Complaint: The plaintiff’s lawyer files a complaint with the appropriate court, outlining the details of the accident and the damages suffered.
2. Service of Process: The defendant (either the at – fault driver or the insurance company) is served with the complaint.
3. Discovery Phase: Both sides gather evidence, including witness statements, medical records, and police reports.
4. Negotiation or Trial: The parties may attempt to negotiate a settlement. If a settlement cannot be reached, the case goes to trial.
   Key Takeaways:

• Uninsured motorist lawsuits are complex and often involve dealing with insurance companies.
• Adequate UIM coverage can protect you in cases where the at – fault driver’s insurance is insufficient or non – existent.
• Hiring an experienced uninsured motorist lawyer is crucial for a successful claim.
  Try our free consultation to discuss your uninsured motorist case with our experts.

FAQ

What is UM/UIM coverage counsel?

UM/UIM coverage counsel involves professional guidance regarding uninsured/underinsured motorist coverage. According to industry norms, it helps policyholders understand policy terms, limitations, and benefits. Counselors assess clients’ needs, compare policies, and offer advice on appropriate coverage levels. Detailed in our [Adjustment of UM/UIM Coverage Policies by Insurance Companies] analysis, this guidance is crucial for comprehensive protection.

How to choose the right uninsured motorist lawyer?

When selecting an uninsured motorist lawyer, follow these steps:

1. Check experience in handling similar cases, as detailed in our [Steps an Uninsured Motorist Lawyer Takes for a No – Insurance Collision Claim] section.
2. Look for positive client testimonials and successful case results.
3. Evaluate their communication skills and responsiveness.
   A seasoned lawyer with a proven track record can navigate complex claims effectively.

What steps are involved in filing a no – insurance collision claim?

Filing a no – insurance collision claim requires these actions:

1. Gather evidence of the accident, such as photos and witness statements, as recommended by legal standards.
2. Initiate a claim with your insurance company promptly.
3. Cooperate with the insurance investigation and provide all necessary documentation.
4. Consider hiring an uninsured motorist lawyer if the process becomes challenging.
   This structured approach increases the chances of a successful claim.

Uninsured motorist lawyer vs regular car accident lawyer: What’s the difference?

Unlike regular car accident lawyers, uninsured motorist lawyers specialize in cases where the at – fault driver has no insurance or insufficient coverage. They are well – versed in UM/UIM policies and know how to fight for clients’ rights against insurance companies. According to industry practices, their expertise is vital for maximizing compensation in these complex scenarios.