Car accidents are common events, unfortunately causing serious damage.
The victims will be dealing with a wide range of physical and emotional stresses, and while recovering from their injuries, they will also be unable to work, a situation that causes even more financial losses.
When these problems are the result of another driver's negligence, victims have the right to compensations for medical care, pain and suffering, lost wages, and other costs.
Theoretically the insurance companies should provide compensation, but there are many problems that could occur, including the possibility that the driver who caused the accident does not have insurance coverage.
Uninsured or under-insured motorist coverage The law requires every driver to have insurance coverage in order to register and drive.
Yet, some drivers stop paying the coverage immediately after they register.
The law also only requires a certain amount of insurance, which may not be enough to cover the costs of a serious accident.
If that is the case, uninsured drivers usually do not have the financial resources to cover the damages, so victims, or their lawyers will have to look for other solutions.
The Uninsured or Under-insured motorist coverage was created in order to help people avoid such unpleasant situations.
It is a type of insurance that pays for injuries caused by a driver who does not own liable insurance coverage.
This insurance type will also pay in case someone is injured in an accident with a hit-and-run car.
However if you file an uninsured motorist claim, your insurance company's interests can be adverse to your interests.
In order to protect your rights it is recommended to consult with a personal injury attorney before filing a claim.
How to collect your insurance benefits In order to collect your uninsured benefits, there are several steps that you need to take: • You will need to prove that the other driver was at fault for the accident • You will have to confirm that the other driver was uninsured or under-insured • You will first have to collect as much as possible from the other drivers insurance company • You'll need to prove that your bodily injuries are significant • If the other driver is unidentifiable you will have to prove that you were involved in a hit-and-run accident • You will have to prove that the hit-and-run driver made physical contact with your vehicle.
Your statement, witness statements, police reports, and the damage to your car will serve to prove your case in order to file a claim with your insurance company.
However if the causes of the accident are not clear you'll probably not obtain any benefits.
In this case hiring a Stamford car accident attorney is your best choice.