You Have Options When Injured By An Uninsured Or Underinsured Motorist

Uninsured UnderinsuredIf you've been hit and injured by an uninsured or underinsured motorist, you can recover damages under the terms of your own insurance policy that covers uninsured/underinsured events. While you can file a claim with your own insurer and may ultimately have to, in the state of North Carolina you do have a right to arbitration in underinsured/uninsured cases.

Arbitration often expedites the settling of your claim, but special rules apply that may require the assistance of a lawyer familiar with the process. If you settle your case by yourself, you may forfeit important legal rights to claim against your own insurance. Nichols Law Firm helps people recover compensation for their injuries under the terms of their own insurance policy in cases involving underinsured or uninsured motorists.

If you've been hit and injured by an underinsured or uninsured motorist, contact personal injury lawyer Chris Nichols today to schedule a free consultation to learn how we can help you protect your rights and interests.

Consult With A Lawyer Before Accepting Any Offers

Insurance companies are in business to make money. In order to minimize the amount they pay in claims, it's not unusual for an insurer to try and settle a claim as soon as possible after an accident. An insurer may offer to pay you a settlement in an underinsured case, telling you the amount offered is the best you can hope to recover. However, if you accept the offer, you'll be asked to sign a statement waiving your right to seek further damages under the claim. If you sign, you forfeit the right to seek additional money through subrogation and waive your right to sue for additional compensation.

If you've been hit by an underinsured or uninsured motorist, you have a duty to contact your insurance company and let them know. Your insurer will want to evaluate your claim and may decide to pay your and pursue further damages against an underinsured driver through subrogation. Although your insurer may attempt to tap into other sources of insurance on an uninsured or underinsured driver, your claim recovery is limited by your policy limits.

Many insurance companies do not look for additional insurance coverage when you have been seriously injured. You may be entitled to make a claim from your own insurance, or from other family members' insurance in addition to the negligent party. At Nichols Law Firm, we will help you find all of the insurance coverage available for your claim.

We work to make sure you receive as much compensation as possible while protecting your rights and interests. In certain cases, it may make sense to sue the driver who hit you in order to recover damages under their homeowners or umbrella policy coverage.

Prompt Action Is Important

There are a number of issues that must be considered in uninsured/underinsured cases. If you've been injured due to the negligence of an underinsured/uninsured motorist, contact personal injury attorney Chris Nichols today to schedule a free consultation to discuss your case.