Picture this scenario:
You just got in a car accident where you were not the one at fault.
You get out of the car and ask the other driver for their insurance. Lo and behold they don’t have any.
Don’t freak out.
Don’t panic.
If you have UIM (Uninsured/Underinsured Motorist) coverage on your insurance policy, there is still hope.
What is UIM Coverage?
UIM coverage is an additional coverage to your auto insurance policy. It kicks in when the other party has no insurance or not enough to compensate you. UIM coverage can help cover your medical bills, lost wages, and damage to your vehicle.
The sad reality is there are large numbers of drivers on the road who do not have adequate or reliable insurance. Don’t get stuck in a situation where you are left high and dry, protect yourself with UIM coverage on your auto policy.
What Should You Do If You’re Hit by an Uninsured Driver?
The moments after an accident matter. Here’s what to do:
- Call the police. Always get an official report as this is critical for any future claim.
- Document everything. Take photos of the vehicles, the scene, the other driver’s license plate, and any visible injuries.
- Get medical attention immediately. Even if you feel okay, some injuries don’t show up right away. A medical record documenting your condition close in time to the accident is essential.
- Do NOT give a recorded statement to any insurance company before speaking with an attorney.
Most Importantly: Contact a Personal Injury Attorney
Why You Need an Attorney for a UIM Claim
Here’s something most people don’t realize: even though you’re filing a claim with your own insurance company, they are not automatically on your side.
- Insurance companies have an interest in paying out as little as possible. They will look for any reason to undervalue your claim.
That’s where we come in.
At ESS Law Partners, we have extensive experience handling uninsured and underinsured motorist claims. We know the tactics insurance companies use, and we know how to fight back. Our job is to make sure your injuries, your lost wages, and your pain and suffering are fully accounted for and that you receive maximum compensation under your policy.
We handle every aspect of your claim so you can focus on what matters most: recovering.
If you or someone you know has been injured in an accident, whether the other driver had insurance or not, contact ESS Law Partners today.
Let us review your policy, evaluate your claim, and fight to get you the compensation you deserve.
Call us at (713.565.1353)
Your Matter Our Mission
Available 24/7