Uninsured/Underinsured Motorist Claims: Understanding Your Options And Protecting Your Rights
In Kentucky, drivers must carry minimum auto insurance coverage. However, not everyone follows the law. You might find yourself in an accident with someone who doesn’t have insurance or enough coverage. Similarly, hit-and-run accidents can leave you without the option to pursue compensation from the at-fault driver. These situations can be stressful and confusing.
At Gatlin Voelker, PLLC, we can help you understand your options and pursue the compensation you deserve. Our personal injury lawyers in Covington have been serving Kenton County, northern Kentucky and greater Cincinnati for over two decades. We are truly committed to helping injured individuals get the compensation they deserve. Our award-winning attorneys have over 50 years of combined experience serving thousands of clients across Northern Kentucky.
What It Means To Be Uninsured Or Underinsured
An uninsured driver is someone who doesn’t have any insurance coverage. An underinsured driver has some insurance, but not enough to cover all the damages in an accident. If you get into an accident with one of these drivers, you might struggle to get the compensation you need for repairs and medical bills.
Hit-and-run cases are similar to uninsured claims because you don’t have the other driver’s information, making it impossible to claim against their insurance. This can leave you in a difficult position, wondering how to handle the financial burdens associated with their wrongdoing.
Exploring Your Options For Coverage
If you find yourself in one of these unfortunate scenarios, you may still have options to secure compensation. Many insurance policies offer uninsured/underinsured motorist (UM/UIM) coverage. If you have this coverage, you can file a claim with your own insurance company to cover expenses related to the accident. We can help you understand your policy and guide you through the claims process.
Challenges In Uninsured/Underinsured Motorist Cases
Even with UM/UIM coverage, you might encounter challenges when filing a claim. Insurance companies can be difficult to deal with. They often try to minimize the payout or deny claims altogether. You might face delays in processing, requiring extensive documentation and evidence. This can be frustrating, especially when you’re dealing with injuries and vehicle repairs.
Additionally, interpreting policy details and understanding your rights can be confusing. You may not know the full extent of coverage or how to proceed effectively. These hurdles can make an already stressful situation even more difficult
How We Can Assist With Your UM/UIM Claim
At Gatlin Voelker, PLLC, we are here to help you overcome these challenges. Our experienced attorneys understand the intricacies of UM/UIM and hit-and-run claims. We will work tirelessly to help you secure the compensation you deserve.
Our lawyers will review your insurance policy, help gather necessary documentation and handle communication with the insurance company. We can even take them to court if needed. Because our attorneys have experience representing insurance companies, we know how to anticipate their tactics and negotiate with them from a position of strength.
We are committed to fighting for your rights and ensuring that you aren’t left shouldering the financial burden of an accident involving an uninsured or underinsured driver. With our results-focused approach, you can trust that we’ll advocate fiercely on your behalf.
Our Client-First Approach
We believe in building strong relationships with our clients, grounded in trust and respect. We put our clients’ needs first and strive to make every client feel like our only client. Our team is accessible, responsive and communicative.
Here, you will feel like a person, not a file. You will never struggle to get ahold of us or feel left in the dark. We will take the time to listen to your concerns and understand your unique situation. Every step of the way, we keep you informed and involved in the process. We will explain what to expect in clear, understandable terms. This approach allows us to advocate effectively on your behalf while meeting your needs and protecting your rights.
Your peace of mind is our priority, and we work diligently to help you put this difficult chapter of your life behind you.
Discuss Your UM/UIM Case With A Member Of Our Firm
If you’re dealing with an uninsured or underinsured motorist claim, or if you’ve been the victim of a hit-and-run, please reach out to our firm for guidance. Our goal is to make the process as smooth and stress-free as possible for you. You can count on us as the staunch legal allies you need during this difficult time.
We offer free consultations and are available 24/7 to discuss your case. Call +1-859-535-0155 to get started.