Uninsured Motorist Claims Lawyer in Fairfield, CT

Being in a uninsured/underinsured motorist accident in Fairfield, CT can be a stressful and frustrating situation. You might feel overwhelmed, unsure of your rights, and concerned about how you’ll cover your medical bills and damages. To help guide you through this difficult time, it might be best to hire a car accident lawyer . Here at the Brill Law Group, our team is here to offer our support and knowledge, with a goal to maximize your compensation and alleviate your stress. 

Fairfield Uninsured / Underinsured Motorist Claims Lawyer 

If you are in need of a personal injury lawyer in Fairfield after a collision with an uninsured or underinsured motorist, the Brill Law Group is ready to take on your case and provide you with resolution, compensation, and satisfaction. 

Understanding Uninsured Motorist Claims in Fairfield, CT

There are three important things to understand about uninsured motorist claims. First, make sure you have coverage that protects you if you’re in an accident with a driver who doesn’t have insurance. It’s an important safety net that can help you recover compensation for injuries and damages when the at-fault driver can’t pay.

Second, uninsured motorist claims can be difficult to process. You’ll need to provide evidence of the accident, your injuries, and the other driver’s lack of insurance. This process often requires thorough documentation and may involve negotiations with your own insurance company.

Third, time is crucial. Most insurance policies have strict deadlines for filing uninsured motorist claims. It’s critical to act quickly and gather all necessary information to support your claim.

Underinsured Motorist Coverage

Underinsured motorist coverage is designed to protect you when the at-fault driver’s policy limits are insufficient to compensate for your losses. This coverage kicks in to fill the gap between what the other driver’s insurance pays and the total amount of your damages, up to your policy’s limits.

To effectively navigate underinsured motorist claims:

1. Review your policy: Understand your coverage limits and any restrictions.
2. Document everything: Keep detailed records of the accident, injuries, and expenses.
3. Don’t settle too quickly: Wait until you know the full extent of your damages before accepting any offers.
4. Negotiate with your own insurance company: They may try to minimize your payout.

When reviewing your insurance policy, it is important to understand what your policy covers. In Connecticut, there are a variety of policies that you have access to. This guide about auto insurance coverage in Connecticut may assist in some questions you may have.

Steps After an Accident in Fairfield

After an accident with an underinsured/uninsured motorist you may be feeling frantic and confused. If you’ve been in such an accident, it’s important to follow a post-accident checklist to protect your rights and guarantee you’re taking the necessary steps for an uninsured or underinsured motorist claim.

Here’s what you should do:

1. Ensure safety: Move to a safe area if possible and check for injuries.
2. Call 911: Report the accident and request medical assistance if needed.
3. Document the scene: Take photos of any potential injuries and property damage, and gather witness information.
4. Exchange information: Get the other driver’s details, even if they’re uninsured.
5. Contact your insurance company: Report the accident immediately.
6. Seek medical attention: Even if you feel fine, get checked out.
7. Keep records: Save all accident-related documents and medical bills.
8. Consult a personal injury lawyer: The Brill Law Group can guide you through the process.

Negotiating With Insurance Companies

When it comes to uninsured or underinsured motorist claims, negotiating with insurance companies can be a challenging process. As you go through this process, it’s important to have a clear understanding of your policy limits.

Understanding policy limits is essential when negotiating with insurers:

1. Review your policy carefully to determine the maximum coverage available
2. Assess the total damages you’ve incurred, including medical bills and lost wages
3. Compare your damages to the policy limits to set realistic expectations

Legal Options for Uninsured Accidents in Fairfield, CT

When you’re involved in an accident with an uninsured or underinsured motorist, you may feel like you’ve run out of options for compensation. However, several legal avenues are still available to help you recover damages for your injuries and losses.

Pursuing Compensation Options

For underinsured motorist situations, your personal injury lawyer can help you explore additional methods for compensation. This may include filing a claim against your own policy’s underinsured motorist coverage or pursuing legal action against the at-fault driver directly.

Alternative Recovery Methods

While pursuing compensation through traditional insurance claims is often the first step, it’s important to understand that there are alternative recovery methods available when dealing with uninsured or underinsured motorist claims. When faced with such situations, you may need to research other options to guarantee you receive fair compensation for your injuries and damages.

Here are some alternative recovery options to contemplate:

1. Personal injury lawsuit: You can file a lawsuit directly against the at-fault driver, even if they’re uninsured.
2. Uninsured motorist coverage: Check your own insurance policy for this type of coverage, which can protect you in these situations.
3. Underinsured motorist coverage: This can help bridge the gap if the at-fault driver’s insurance is insufficient.
4. Health insurance: Your medical coverage may help with immediate medical expenses.
5. Workers’ compensation: If the accident occurred during work-related activities, you might be eligible for workers’ comp benefits.
6. Government assistance programs: In some cases, you may qualify for state or federal assistance programs.

Uninsured/Underinsured Statute of Limitations

When it comes to uninsured and underinsured motorist claims, time is critical. If you’ve been in an accident involving an uninsured or underinsured driver, it’s necessary to understand the timeframes for filing your claim. These deadlines can impact your ability to receive compensation for your injuries and damages.

Uninsured / Underinsured Motorist Claims must be brought either:

1. Within 3 years of the date of the incident; or
2. Within 180 days (6 months) of the settlement with the at-fault driver
   1. This occurs when a lawsuit against the at-fault driver takes a long time to resolve (e.g. 4 years of litigation).

Note: you must put UIM insurance company on notice of the claim within 3 years.

Should You Hire a Fairfield Underinsured/Uninsured Motorist Claims Lawyer?

After being in a collision with an underinsured/uninsured motorist in Fairfield, CT, you may be concerned about what may happen next. Choosing an attorney that you trust, and feel comfortable with can make your experience much more positive, as well as provide you with the necessary comfort during these stressful times. At the Brill Law Group, we strive to offer you maximum support through your legal and insurance claims, as well as provide you with answers to your questions and concerns. Contact us today for a free consultation, with no fees unless we win!