If you been involved in an uninsured vehicle or trucking accident in Rhode Island when driving a vehicle, riding a bicycle or as a pedestrian, do you know if you can receive financial compensation from the uninsured motorist? Unfortunately, many motorists drive their vehicles without auto insurance to cover an accident with injuries or fatalities caused by an uninsured or under-insured motorist. Filing a Rhode Island and Providence Plantations cause of action against the uninsured individual who caused the RI car accident usually provides little compensation to pay your medical bills, lost wages and damages or offer you compensation for your suffering and pain. However, there is a variety of solutions.
uninsured motorist claims lawyer in Rhode Island
If an uninsured truck, car or automobile driver struck your motor vehicle, you likely carry uninsured motorist (UM) coverage as a part of your automobile insurance policy. If it is a part of your coverage, you can file a claim for compensation against your own insurance carrier policy. If you were injured as a result of a hit and run crash in Rhode Island where a motorist leaves the scene of the crash then it is automatically considered an uninsured motorist cuase of action. If you were riding as a passenger in a vehicle struck by an uninsured motorist, you might still be covered under a UM policy.
A person could be uninsured for a number of reasons including:(1) lapse of policy coverage for nonpayment of insurance premiums (2) the motorist never had insurance (3) The motorist is an illegal immigrant lacking a license or insurance etc.
If you are riding a bicycle or walking as a pedestrian in Rhode Island and struck by an uninsured driver, your uninsured motorist policy may still provide you coverage even though you were not in your vehicle at the time. A RU uninsured motorist attorney can evaluate your case to offer effective solutions for obtaining compensation.
The Compensation You May Receive as a result of being hit by a hit and run driver or an uninsured motorist.
The uninsured motorist coverage of an insurance policy in Rhode Island pays compensation when the driver at fault for the accident in Providence, Pawtucket, Central Falls or Woons0cket does not maintain insurance. The coverage provided by the plan pays for nearly all expenses that include:
• The cost of hospital care, ambulance transportation, paramedic assistance and medical bills including prescriptions, dental, MRIs and x-rays
• Compensation for lost wages, income and earnings
• Compensation for any lost earning capacity in the future because of a temporary or permanent disability caused by the accident
• Pain, suffering, mental anxiety and emotional distress
• Disfigurement or amputation
• Loss of enjoyment of typical daily activities because of the injury
(Uninsured motorist protection is very similar to under-insured motorist protection insurance coverage. Under insured coverage is needed if another motorist does not have enough insurance to compensate you for lost wages, medical bills, pain and suffering and diminished earning capacity as a result of the RI auto crash.) If you were involved in a automobile collision, motorcycle or tractor trailer with a motorist who does not have enough insurance to cover your damages and losses then you should contact a Rhode Island underinsured motorist claims personal injury lawyer.
What to Do after a vehicular wreck
In the event that you are the victim of a a trucking or car accident in Rhode Island caused by an uninsured motorist, it is essential to call law enforcement immediately. If any individual is suffering injuries, call an ambulance too. If the motorist is uninsured, they sometimes flee the scene of the accident. Quickly jot down all information you have including the license plate, make model and color of the vehicle that hit you. Write down any description you have of the motorist and passengers inside the vehicle.
If the driver at fault for the accident stops, write down all contact information including their name and address. If possible, take a picture of the uninsured motorist’s vehicle along with photographs of the accident scene, skid marks, weather conditions, and any other struck object including guardrails, signage or other vehicles. In addition, collect the contact information of all eyewitnesses.
Obtaining Legal Representation in a Rhode island auto accident claim
Hiring a Rhode Island personal injury attorney who specializes in uninsured motorist claims can help. The RI uninsured motorist claim lawyer can assist you coordinating all available evidence. The Providence law firm can draft the notification letter to the insurance carrier and structure a demand letter for financial compensation. The attorney will have skills in negotiating your settlement or building a case to take your lawsuit to a negligence trial or arbitration.
A East Providence RI car accident attorney can ensure that you receive adequate compensation even if the driver is uninsured. By obtaining legal representation, the Woonsocket, Cranston or Warwick lawyer will fight to protect your rights in the event that the insurance company is acting in bad faith by denying the claim or offering only minimal compensation. Typically, the Newport, Barrington or Bristol law firm offers a no obligation free initial consultation to discuss your case and provide you a variety of legal options for recompense.
“Uninsured / Under-insured Coverage is crucial in Rhode Island. Everyone should obtain Uninsured and Under insured Motorist Coverage! A Liability Policy covers third parties injured in an accident if you were at fault. Uninsured/ underinsured Motorist Coverage protects you and other occupants of your vehicle if another person negligently causes personal Injury.” http://www.rhodeislandpersonalinjuryattorneyblog.com/2011/11/rhode-island-uninsured-underinsured-car-accident-insurance-claims-lawyer/
“This Uninsured Motorists study also estimated total uninsured motorist claim payments. Discounting fatalities and total permanent disability claims, the IRC estimates that $2.6 billion was paid in the U.S. on 2012 uninsured motorists claims. Despite the declining trend in uninsured rates over the last decade, the aforementioned total claim payment amount is up 75 percent over the last 10 years and translated to $14 per insured individual in 2012. “ Insurance research Councel , New Study Reveals a Declining Trend in the Percentage of Uninsured Motorists MALVERN, Pa.— Date: August 5, 2014 Contact: David Corum, CPCU 484-831-9046 corum@TheInstitutes.org http://www.insurance-research.org/sites/default/files/downloads/IRC%20UM_NewsRelease_1.pdf