Evansville Uninsured Motorists Attorneys

Have you or a loved one been negatively impacted by an uninsured motorist?

If you or a loved one has been injured or killed by an uninsured driver, you are experiencing devastating consequences. Among these are medical bills, lost wages, and property damage.

Since the driver who caused the car accident was not insured, you have no idea how all these will be paid. While there is the possibility of getting the driver to pay out-of-pocket for the damages they’ve caused, it’s very unlikely that they can or will.

Fortunately, there may be options that you’re not aware of to get compensation for the losses you’ve suffered. Chapman Injury Lawyers offers a free consultation to help you begin the process of getting compensation following a car accident with an uninsured motorist. Contact us today at (812) 426-0600.

Why Do I Need an Attorney?

Figuring out what to do after a car accident is stressful and overwhelming. There are many things you’re dealing with at once: medical care, property damage, lost time at work, and trying to figure out who will pay for everything.

An experienced uninsured motorist attorney will have access to the best investigative resources to prove which driver was at fault, and they will fight aggressively on your behalf with both the negligent driver and your insurance company for fair and just compensation.

If you’ve been in an uninsured motorist accident, retain legal counsel right away. Most insurance companies give their policyholders a limited amount of time to file an uninsured/underinsured claim. You may have as little as 30 days from the date of your accident to make a claim.

Why Choose Us?

At Chapman Injury Lawyers, we give personalized attention and care to every client we serve. We have years of experience and extensive knowledge of personal injury law that we passionately use to make sure you get justice.

Uninsured motorist car accidents can turn your life upside down, and we’re here to help you shoulder that burden. That’s why we provide a 100% free consultation so that we can get to know you and talk through the details of your uninsured motorist accident.

Many people worry that they will not be able to afford an attorney. At Chapman Injury Lawyers, we represent our clients on a contingency-fee basis, which means that we will take a small percentage of the compensation you win at the end of your case. You only pay us if we win the case, and there are no fees to pay along the way.

Filing an Uninsured/Underinsured Motorist Claim

The law requires that all drivers have insurance. Normally, if you are in an accident caused by another driver, the other driver’s insurance would pay for your medical bills and repairs to your vehicle. Unfortunately, it is estimated that about 13% of drivers are not insured. Because of this, insurance companies offer uninsured motorist insurance, which covers you if you are in an accident caused by an uninsured driver. You can also purchase underinsured motorist coverage, which covers you if the driver who hits you has insurance, but it’s insufficient to pay for the damage caused to you and/or your vehicle. Some states require these types of insurance coverage.

If the driver who hit you refuses to give you their insurance information or tells you that they do not have insurance, you should immediately contact your insurance company and let them know you will be filing an uninsured/underinsured motorist claim. You also need to contact an experienced uninsured motorist accident attorney, like the ones at Chapman Injury Lawyers. Even if you have an uninsured/underinsured motorist policy, insurance companies are incentivized to pay you the least amount of money they can, and often take advantage of car accident victims who are overwhelmed and stressed after their accident. Insurance companies frequently deny claims or compensate much less than their policyholder deserves. They may try to claim that your coverage was not active at the time of the accident, or even that you were partially at fault.

You should not give up simply because your insurance company denies your claim. Insurance companies often make this process intentionally confusing and overwhelming to deter policyholders from taking further action. A Chapman Injury Lawyer will stand up to your insurance company on your behalf and fight for the settlement you are entitled to.

It’s also possible that your injuries/vehicle damage exceeds the amount that your insurance covers. For example, if your uninsured motorist insurance covers up to $50,000 of damages, but you’ve spent $100,000 on medical bills and car repairs, you need to find another way to be compensated for the remaining $50,000. In this case, you will likely either need to file a lawsuit against your insurance company or the uninsured motorist who hit you or both.

If You Don’t Have Uninsured/underinsured Motorist Insurance

If you don’t have uninsured/underinsured motorist insurance, there are still options, and a lawyer will help you decide what to do. First, we need to ensure that the driver who hit you truly does not have sufficient insurance. Sometimes, the at-fault driver actually does have some insurance, but their insurance company claims that the coverage was not active at the time of the crash to avoid paying you. A lawyer will conduct a full investigation into whether or not this is true.

You can also sue the driver who caused the accident for the damages you incurred, such as medical bills, vehicle damage, lost wages, etc. This is called a personal injury lawsuit. Your attorney will make a case to a judge about how much compensation you are entitled to, and the judge will decide how much the at-fault party needs to pay you. However, even if a judge orders the at-fault driver to pay you damages, this doesn’t necessarily mean that the driver will actually do so. Uninsured drivers are often uninsured because they cannot afford to make car insurance payments, meaning they likely have little to no money or assets to compensate you.

However, sometimes drivers are uninsured for reasons other than being unable to afford it. Perhaps they forgot to pay their last month’s insurance bill, or just bought a new car and hadn’t yet bought insurance. In this situation, the driver may be able to afford the damages ordered by the judge, and a lawsuit is worth the time and energy.

Contact Us Today

Chapman Injury Lawyers can help you get the compensation you are entitled to after you’ve been involved in an uninsured motorist accident. We are here to guide you every step of the way, and we don’t quit until we get you the justice you deserve. Getting into a car accident with an uninsured motorist can be devastating, but you shouldn’t have to bear the consequences all by yourself. Contact the Evansville uninsured motorist attorneys today at (812) 426-0600 to start on the road to recovery.