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The Risk of Uninsured and Underinsured Drivers in Motor Vehicle Accidents

Cranwell & Moore P.L.C. Feb. 15, 2023

Being in a car accident is already a traumatic experience, as the damage to your vehicle and the potential injuries to you and those traveling with you will cause you significant emotional, physical and financial harm. These issues can be exponentially compounded if the person who impacted you was driving without insurance or without enough insurance to cover the damage that they have caused. Known as uninsured or underinsured drivers, these individuals can cause serious problems for you as you try to get compensation for the harms that you have sustained.

At Cranwell & Moore P.L.C., we have over 30 years of personal injury litigation experience across Virginia, Tennessee and West Virginia that we leverage on behalf of our clients to get them the financial compensation that they need in order to put their lives back together and heal. You will work directly with us, because at our firm, we are the ones that work with you.

Will My Insurance Pay Me for My Injuries?

Most people have a back up plan for when they are in an accident and the other driver is uninsured or underinsured.Your own insurance may have a policy to provide you with coverage in such situations. This is referred to as UM/UIM coverage.

These are two separate sets of coverage on your insurance policy. They will provide varying levels of protection based on your selections when you purchased your motor vehicle insurance policy.

Our firm will work with you to help you if you are having difficulty getting your insurance policy to cover the injuries and property damages that you sustained in the event of an uninsured or underinsured motorist colliding with you. We know how to approach reluctant insurers and have successfully helped many clients to get compensation under their policy.

Can I Sue an Uninsured Driver?

The short answer to this question is yes, you can sue an uninsured driver for the damages they have caused to you.

The longer answer is that while suing an uninsured driver for damages is not difficult, getting any damages from the lawsuit often is. The majority of people who do not have sufficient car insurance do so because they lack the funds to afford it, and so getting any money from them can be challenging. In some cases you can go after their assets, such as other vehicles or property, but that is not always available.

This is why it is so important to have UM/UIM insurance so that you are protected from this disastrous situation.

Do Not Wait to Get Help

No matter how it happened, a car accident is a tragic experience to have to deal with, between the injuries and the financial costs. That is why we want to encourage you to reach out to Cranwell & Moore P.L.C.. We are able to help you get the fair compensation that you need with less hassle as we take care of the case for you and handle your insurance company.

You can call our Roanoke office, or you can send us a message here with a brief description of your situation.