What happens if the driver who caused my accident doesn't have enough insurance to pay for injuries and damages?

Let Our Rhode Island Car Accident Lawyer Help You Navigate an Underinsured Motorist Claim

Rhode Island law requires drivers to carry car insurance. Unfortunately, not all drivers comply with the required minimum liability insurance policy. Even when they do, coverage may fall short in addressing property damage, medical bills, and other post-crash expenses. Uninsured motorist coverage (UM) or underinsured motorist coverage (UIM) can step in to provide assistance. Our Rhode Island car accident lawyer can help you navigate the process of securing compensation for a car accident claim with a driver who does not have sufficient insurance to cover your damages.

How Underinsured Motorist Claims Work in Rhode Island

Uninsured motorist (UM) coverage becomes crucial. UM coverage steps in to protect you in instances where the other driver lacks insurance. If you're involved in an accident with an uninsured driver, your UM coverage will take care of the expenses that would normally be covered by the other driver's insurance. This coverage serves as a vital safeguard against potential financial strain.

To file an underinsured motorist claim in Rhode Island, the injured party must first exhaust the liability coverage of the at-fault driver's insurance policy. Once it's determined that the at-fault driver's coverage is not enough to cover all the damages, you will be able to file a claim with your insurance provider under your UIM coverage.

Navigating the UIM claims process in Rhode Island can be complex. It requires a thorough understanding of insurance policies, legal procedures, and negotiation tactics. Seeking guidance from a knowledgeable Rhode Island car accident attorney can help ensure that you effectively assert your rights and pursue fair compensation through your UIM coverage.

What Eight Decades Has Taught Us About Caring for Our Clients

Maintaining a distinguished and strong reputation can be difficult for any attorney. After all, lawyers as a whole aren’t exactly seen as saints. This is why we follow a deep-rooted sense of morality and compassion that has been handed down over the generations. Our values and hard work have allowed us to create and maintain an astounding legacy of success. In addition to securing a well-founded reputation for success, we strive to ensure that our clients are 100% satisfied with our representation.

We have spent decades honing our skills in order to assure our clients’ satisfaction. As a result, we have been able to strengthen our bond with our clients. A few of the strengths and values we bring to all our interactions include:

Taking the time to ensure you completely understand the complexities of your case and understand what to expect throughout the process.

Providing respect and compassion for your situation, while remaining frank about the prospects ahead.

Working with you to plan the best course of action for you and your family.

Pursuing each case as if it were our family. We are noted for our willingness to push for a trial to get everything our clients deserve, in contrast with many other attorneys who look for the quick settlement.

Fighting for the goals you choose. We’re not afraid to take your case to court and fight respectfully for your financial security.

We are a family at Kirshenbaum & Kirshenbaum we’ve had employees that have been with for over 44 years.

Recovering Damages After a Car Accident with an Underinsured Driver

If you are injured in a car accident involving an uninsured at-fault driver, you may face substantial financial burdens and stress, with unpaid bills mounting rapidly. UM coverage steps in to cover losses not addressed by the uninsured driver's insurance, potentially avoiding the need for an expensive lawsuit against the at-fault driver.

UM coverage allows you to pursue necessary medical treatment, cover medical expenses, and address vehicle repairs without bearing the full financial brunt of the accident. Consulting with a skilled Rhode Island car accident lawyer can assist you in navigating your own insurance coverage and pursuing compensation through an Uninsured or Underinsured Motorist claim.

How Our Rhode Island Car Accident Lawyer Can Help

While your uninsured or underinsured motorist (UM/UIM) claim is with your own insurance company, having a lawyer by your side can still be invaluable. Understanding insurance claims can be confusing, especially when dealing with UM/UIM coverage. An experienced Rhode Island car accident lawyer can explain the intricacies of insurance policies and interpret the fine print to ensure you receive the maximum compensation you're entitled to.

It is common for insurance companies to attempt to minimize payouts or deny claims altogether. A Rhode Island car accident lawyer will be your advocate, protecting your rights and ensuring that the insurance company upholds its contractual obligations to provide coverage for your losses. They can negotiate effectively with insurance adjusters to secure a fair settlement that adequately compensates you for your injuries and damages.

To build a strong case for your claim, your lawyer can gather evidence such as medical records, accident reports, witness statements, and documentation of damages. An experienced Rhode Island car accident lawyer has the resources and expertise to collect and present this evidence in a compelling manner.

It can be stressful to deal with the aftermath of a car accident, especially if you are faced with mounting medical bills and vehicle repairs. By entrusting your case to a skilled car accident lawyer at Kirshenbaum & Kirshenbaum, you can focus on your recovery knowing that your legal matters are in capable hands. Review our testimonials and case results to learn more about the results we’ve been able to achieve for accident victims throughout the Providence area.