When There Is No Insurance or Not Enough
It is bad enough to be injured in a car accident. It is even worse to learn that you were hit by an uninsured motorist (UM) or an underinsured motorist (UIM).
What Can You Do?
What can you do when your medical bills and other damages exceed the other driver's insurance coverage limits? The first thing to do is to speak to a lawyer.
Contact the personal injury attorneys at Darrell L. Castle & Associates in Memphis. We represent clients in west Tennessee, east Arkansas and north Mississippi who were seriously injured by uninsured motorists or underinsured motorists.
We Explore All the Possibilities
First, we will determine whether the person who hit you has any insurance coverage. Next, we will determine whether a claim could be made against a third party — someone other than you or the uninsured driver. For example, did an uncrashworthy vehicle or a defective seatbelt or air bag contribute to your injuries?
We will examine your own auto insurance policy and make a claim against your uninsured motorist (UM) or underinsured motorist (UIM) coverage, if you have it. It is important to have an attorney to represent you in these situations. When you are making a claim, you become an opponent and your insurance company will try to limit the amount of money it pays you.
Targeting Personal Assets
The person who injured you is legally responsible for paying damages, even if there is no insurance coverage. We will determine whether the responsible party has personal assets, such as a home, savings or investments, that could pay your damages.
For a Free Consultation, Call Toll Free:
To discuss the specifics of your UM case, please contact our law firm. We offer a free initial consultation and case evaluation.
