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Insured and Uninsured Motorist injury claims in RI

auto insuranceCar accidents occur every day. Many states require that the person responsible for the accident compensate the injured person for damages. Unfortunately, many drivers do not carry sufficient liability insurance to cover those damages. Although it is against the law, other drivers choose not to carry any insurance.

Uninsured motorist claim

This is when uninsured and under-insured motorist coverage can help. When an at-fault driver carries no insurance or insufficient insurance, uninsured motorist coverage provides compensation to the victims. Individual drivers purchase uninsured motorist coverage from their own insurance company in addition to liability insurance. The type of uninsured motorist benefits varies depending upon the amount of insurance selected. Some states, including Rhode Island, allow for stacking of benefits. This occurs when a victim receives compensation from his or her own insurance company and receives some compensation from the insurance company of the at-fault driver. Under-insured motorist coverage provides a source of compensation to an injured party when the existing liability coverage of the at-fault driver does not fully cover damages. www.insurancelawhelp.com

Uninsured motorist claim attorneys

Many states, including Rhode Island, mandate insurance coverage for drivers. However, some drivers choose not to carry insurance. Insurance companies consider these drivers to be uninsured motorists. Some states define a hit and run driver who flees the scene without providing identifying information as an uninsured motorist. This allows the insurance companies to pay out claims on bodily injury. An under-insured motorist purchases the base minimum of coverage as mandated by law. However, the limits of that individual policy fail to pay for the total damage caused by an accident. For insurance purposes, insurance companies consider under-insured drivers to be uninsured drivers.

Bodily Injury insurance claims | uninsured motorist claim in Rhode Island

Uninsured motorist coverage pays for bodily injury losses to the injured driver and passengers when an accident occurs with an uninsured motorist. This type of additional coverage pays for medical expenses, lost wages, loss of earning capacity, pain and suffering, and other damages caused by the accident.

Frequently an uninsured driver has no employment, a low wage job, and no assets. Thus, no way exists to pay out claims for damage done in an accident. Uninsured motorist coverage provides for payment in those cases. If an uninsured motorist causes an accident with a driver who carries uninsured motorist coverage, that driver can pursue several options. He or she should contact a competent RI Personal Injury attorney that focuses on motor vehicle law. The driver can proceed with a claim against his or her own uninsured motorist coverage for damages, such as medical bills, lost wages, and pain and suffering.

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“Uninsured and underinsured motorist coverage reimburses policyholders in an accident involving an uninsured, underinsured or hit-and-run driver. Twenty states and the District of Columbia have mandatory requirements for uninsured or underinsured motorist coverage. More than half of the states have passed laws and begun to develop and implement online auto insurance verification systems to identify uninsured motorists.

In 2015, 13.0 percent of motorists, or about one in eight drivers, was uninsured, according to a 2017 study (latest data available) by the Insurance Research Council (IRC). The percentage has been rising since it hit a record low of 12.3 in 2010. Florida had the highest percentage of uninsured motorists, 26.7 percent, and Maine had the lowest, 4.5 percent. IRC measures the number of uninsured motorists based on insurance claims, using a ratio of insurance claims made by people who were injured by uninsured drivers relative to the claims made by people who were injured by insured drivers.” Insurance information Statistics https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists

“The key to every claim is a thorough investigation of the facts of the case. A claim denied before completing a thorough investigation can be evidence of the tort of bad faith. Uninsured Motorist (UM) and underinsured motorist (UIM) coverages place the insurer in the place of a third party that was uninsured, underinsured, or unknown who allegedly caused injury to the insured. If the investigation shows the insured was liable for the accident (rather than the uninsured or underinsured motorist), then the insured cannot recover under a UM or UIM policy.”  http://www.propertycasualty360.com/2012/09/25/legal-analysis-when-an-uninsured-motorist-claim-fa

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