Getting into an accident because of the other driver’s irresponsible behavior or negligence is stressful. However, being uninsured is an added stress as you worry about the compensation. If you’re experiencing any such condition, it is still possible to file a claim despite the other person being uninsured.
Thinking about how much of a claim you can get from an uninsured motorist? You can consult your personal injury lawyer in New Hampshire for a maximum claim. This article will discuss uninsured motorists and what factors affect this claim. So, let’s dive in!
What is an uninsured motorist?
In simple terms, an uninsured motorist is a car driver who does not own insurance or has auto insurance coverage to meet the state’s legal requirements. In most countries in the world, having insurance is a basic necessity to operate a vehicle.
Still, some individuals choose to drive vehicles without getting insurance coverage. If these uninsured individuals meet with an accident, it becomes difficult to cover their expenses as there is no financial support from the insurance company.
What Determines an Uninsured Motorist Settlement?
The total amount of money can be determined by different factors caused by the accident. These determining factors include:
1. Who is at fault?
If you want to claim for the damage caused to you, you cannot be more than 50% responsible for the accident. This means that if the fault is the fault of both parties, it will impact the overall settlement. In such a case, you can hire a personal injury attorney who will find evidence in your favor for fair compensation.
2. Evidence and Documentation
Evidence plays a significant role in determining an uninsured motorist settlement. Some of the most valuable evidence includes medical records, police reports, eyewitness statements, and photographs of the accident scene and damages.
3. Do you have other coverage?
As mentioned in the insurance policy, the uninsured motorist coverage limits are essential in determining the total amount you can get as a settlement. These limits display the maximum claim that your insurance company will give you.
Why hire an attorney after a car accident?
If you have suffered physical, mental, or property damage in an accident caused by the other driver, it is recommended that you hire a personal injury lawyer to obtain a fair settlement.
If another driver does not have insurance, it becomes difficult to get a claim. In such conditions, hiring a personal injury lawyer becomes essential to getting the settlement you deserve.