When Liability Coverage is Not Available or Adequate.
The driver who caused the accident has no insurance or does not have enough insurance.
When a negligent motorist causes an injury, his or her liability insurance is responsible for damages to the injured party. But what if the driver does not have insurance or has a policy that does not adequately cover the damages?
In such a complex situation, it is important that the injured person turns to an experienced personal injury lawyer for guidance. In Manchester and throughout New Hampshire, people turn to McDowell & Morrissette, PA when their compensation is on the line. We have more than 100 years of combined trial experience handling complex motor vehicle accident claims
A Trusted Law Firm for Uninsured And Underinsured Motorist Claims.
In New Hampshire, motorists are not required to buy liability insurance. As a result, many drivers do not have insurance to pay for damages in accidents. Insurance companies are required to provide uninsured and underinsured motorist coverage as part of your own automobile insurance policy. This required insurance coverage protects you and family members who are injured in an accident.
Additionally, if the driver was insured, but the damages were greater than the policy limits purchased by the negligent driver, your underinsured motorist coverage is designed to fill in the gap.
If a hit-and-run driver injured you and the police are not able to identify the at-fault party, you can draw upon your uninsured motorist policy for compensation. This may be true even if you were hit by a car as a pedestrian or while riding a bike.
As with any accident, just because it is your own insurance, it does not mean you will have an easy time obtaining fair and just compensation. This is why it is important to consult with an experiences personal injury lawyer before accepting a settlement offer. Your case may be worth far more than you are told.
Discuss Your UM/UIM Claim With A Knowledgeable Attorney
Our firm offers a free consultation to review your policy and explain how we can maximize your coverage. To arrange your consultation, call our Manchester law offices at 603-623-9300 or contact us online.