Waldorf Uninsured Motorist Accident Attorneys

Lawyers for Collisions With Uninsured or Underinsured Drivers in Waldorf, MD

Dealing with the injuries and damages that occur in a car accident can be stressful, no matter the circumstances. However, in situations where a driver who caused an accident does not have insurance, dealing with the aftermath of a collision can be even more complicated. In these cases, injury victims may be unsure about whether they can receive any compensation at all or what steps they can take to address the ways they have been affected.

If you have been injured in an accident with an uninsured driver, the team at Farmer & Klopfer can help you understand your options. We can work with you to navigate the difficult issues that may arise as you address concerns related to insurance coverage and deal with the injuries and damages that have occurred. Our attorneys have decades of legal experience handling these types of cases, and we will work to ensure that you will be treated fairly by insurance companies. Our goal is to help you maximize the compensation you can receive so that you can move forward and recover.

The Problem With Uninsured and Underinsured Drivers

All drivers are required to carry liability insurance on their vehicles. However, some people may drive without any insurance at all, or the minimum coverage provided by their policies may fall short of what would be needed to address the injuries and financial losses caused by a car accident.

When a driver who causes an accident has the proper level of insurance coverage, a person injured in the accident will usually file a claim with the driver's insurance company. The insurer will evaluate the claim and pay compensation for the losses the injured person has suffered. However, when a driver has no insurance, or when their insurance coverage is limited, an injury victim may worry that they will be unable to fully address their losses.

How Uninsured and Underinsured Motorist Coverage Works

An injury victim's own insurance policy can provide coverage in situations involving uninsured or underinsured drivers.

Uninsured Motorist Coverage

An insurance policy will typically include uninsured motorist coverage, which can provide compensation in a situation where a driver who was responsible for causing a car accident has no liability insurance. This coverage will also apply in hit-and-run accidents where a driver cannot be identified. An injury victim can file a claim with their own insurance company, and they can receive compensation for medical expenses, lost wages, pain and suffering, and other damages, up to the limits of the policy.

Underinsured Motorist Coverage

Insurance policies may also include underinsured motorist coverage, which applies when a driver who caused an accident has insurance, but the limits of their policy will not fully cover the injured person's losses. For example, if a driver has the minimum level of liability insurance coverage, the policy limits may be exhausted before an injury victim's medical bills and other damages have been fully addressed. In these situations, underinsured motorist coverage can provide additional compensation up to the limits of the injured person's policy.

The Challenges of Dealing With Insurance Companies

When filing a claim with their own insurance companies, many people assume that they will be treated fairly and be able to receive the full compensation they need. In reality, many people struggle to obtain compensation through uninsured or underinsured motorist claims.

Insurance adjusters will evaluate claims, and they will often take steps to try to limit the amount of a payout. They may request recorded statements before an injured person fully understands the extent of their injuries, or they may try to argue that injuries are not serious or that a person was partially or fully at fault for an accident. Some insurance companies may delay claims and try to get victims to accept lower settlements so that they can receive payouts more quickly.

Our lawyers can handle communications with insurance companies on behalf of the people we represent. We will take steps to ensure that our clients do not make any statements that could be used against them or accept settlements that will not fully meet their needs. We can evaluate the full extent of a person's injuries and losses, make sure all required documentation is provided, and negotiate settlements that will provide clients with the financial resources they need and deserve.

Contact Our Waldorf, Maryland Uninsured Motorist Accident Lawyers

Discovering that a driver who has injured you in a car accident has no insurance can cause a great deal of stress. These situations can be frustrating, especially if you encounter difficulties when dealing with insurance companies. You need an advocate who can help ensure that you will be treated fairly. At Farmer & Klopfer, we know how to address complex insurance issues in these cases, and we can help you build a strong claim and fight back against unfair treatment by insurance companies. Contact our Waldorf uninsured/underinsured driver accident attorneys at 301-843-3890 to set up a free consultation today.