Nearly 9% of Minnesota drivers are uninsured. If you get into an accident in Minneapolis, MN with an uninsured driver, you are likely wondering who will cover your property damage and injuries. The good news is that your own insurance policy will cover it if you have uninsured motorist (UM) coverage.
Even though the law in Minnesota requires all drivers to have liability insurance, some drivers simply cannot afford it or refuse to pay for it. If one of these drivers causes an accident, you could be stuck paying for your own car repairs and medical bills.
At Hall Law Personal Injury Attorneys, we can help you determine the details of your uninsured motorist coverage and get the compensation you deserve. Contact us today at (800) 292-1979 to schedule a free consultation with a Minneapolis uninsured motorist claims lawyer.
How Hall Law Personal Injury Attorneys Can Help After a Car Accident With an Uninsured Motorist in Minneapolis
The time after a car accident in Minneapolis, Minnesota can be stressful, especially if the driver who caused the accident did not have insurance. However, you still have options for compensation for your injuries. Here are some of the ways our Minneapolis personal injury lawyers can help:
- Determine the specifics of your uninsured motorist coverage
- Investigate the accident to determine exactly who was at fault
- Handle all paperwork and negotiations with the insurance company
- Help you get a full and fair recovery for your injuries
- Fight for you in court when necessary
At Hall Law Personal Injury Attorneys, we have over 80 years of combined experience helping clients get the compensation they deserve. Contact us now to schedule a free consultation with an experienced Minneapolis car accident attorney about your case.
What Is Uninsured Motorist Insurance?
Uninsured motorist coverage is insurance that will pay for your property damage and injuries caused by a driver without insurance. Minnesota law requires that all drivers carry some minimum level of uninsured motorist coverage.
Minimum UM coverages in Minnesota include:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
If the at-fault driver is underinsured (i.e., their insurance is insufficient to cover your damages), you may be able to file an underinsured motorist (UIM) claim to bridge the gap. Both UM and UIM coverage may be available if you carry both types of coverage.
How To File an Uninsured Motorist Claim
The first step in filing an uninsured motorist claim is to notify your insurance company of the accident. Even though the other driver was at fault, your insurance company will need to get involved. However, do not give any statements to the adjuster before speaking to an attorney.
Next, talk to an experienced personal injury attorney who can help with your claim. Your attorney can help evaluate all your coverage and injuries to estimate your claim’s value accurately.
Finally, you can file the claim on your uninsured motorist policy. You will likely need to show evidence that the uninsured driver was at fault, and your attorney can help you with this. Some examples of evidence commonly presented include:
- Eyewitness testimony
- Photos from the scene
- Video footage
- Your own testimony
Additionally, you will need to present evidence proving your injuries, such as medical records or physician statements. The team at Hall Law Personal Injury Attorneys can help you with every aspect of your claim, and we will fight to get you the most compensation for your injuries.
What Happens If Your Damages Exceed Your UM Coverage Limits?
If your damages exceed your UM policy limits, pursuing a personal injury lawsuit against the uninsured driver may be an option. However, if the driver is uninsured, they may lack the financial means to pay for your damages, making it a difficult option. This is why it’s crucial to assess your UM coverage limits and consider options like stacking coverage if you have multiple policies. Your attorney can help you explore all avenues for compensation.
What Kind of Damages Are Available to Accident Victims With Uninsured Motorist Coverage?
You are entitled to recover both economic and non-economic damages from your uninsured motorist coverage. Some common examples of damages recovered in these claims include:
- Medical bills
- Lost wages
- Physical therapy
- Pain and suffering
- Mental anguish
- Scarring or disfigurement
Your uninsured motorist coverage is designed to compensate you for any damages that might be available from the at-fault driver.
We’ll Fight to Recover Compensation For All Of Your Injuries Caused By an Uninsured Motorist
Car accidents can cause a variety of different injuries. You deserve to be compensated for them all. Some common types of injuries that we can help you recover compensation for include:
- Whiplash
- Broken bones
- Neck injuries
- Back injuries
- Brain injuries
- Severe burns
Insurance companies may minimize your injuries to avoid paying your claim. We know how to stand up to the insurance company. Our experienced attorneys can help assess the extent of your injuries and help get you compensation for them all.
How Long Do I Have to File an Uninsured Motorist Claim in Minnesota?
In Minnesota, the statute of limitations for filing an uninsured motorist claim is six years from the date of the accident. However, if you’re pursuing a claim through your insurer, your policy may have its own deadlines for notifying your insurer or filing an uninsured motorist claim. Consult with an attorney to make sure you don’t miss any applicable deadlines.
Contact Our Minneapolis Uninsured Motorist Claims Lawyers For a Free Consultation
Getting hit by an uninsured driver in Minneapolis, Minnesota can be frustrating. Luckily, your uninsured motorist coverage can help keep you from some of the financial stress. The team at Hall Law Personal Injury Attorneys has recovered over $90 million for other injury victims, and we can help you, too.
Contact us today to learn more about how we can help with your claim. Schedule your free consultation with a Minneapolis uninsured motorist claims lawyer now.
