A motor vehicle accident can have a devastating impact on you and your family. If you or a loved one has been injured, contact our firm to schedule a consultation with an experienced personal injury attorney.
What You Need to Know About Car and Truck Accident Claims
To collect the compensation you need to support your recovery following a motor vehicle accident, you need to establish the liability of a defendant, prove your damages in detail, and identify one or more sources of compensation — usually but not necessarily an insurance company. Every step of this process can be complicated, and the advice of an experienced personal injury lawyer can help you negotiate it successfully. Contact McGrady & McGrady in Hillsville to learn how our attorneys can help you achieve your accident recovery goals.
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At McGrady & McGrady, we protect the interests of people who have been hurt in southwest Virginia car, truck or motorcycle accidents. Most of our clients are residents of the local area, but we also represent people from other states who were injured while driving through the region. Contact us in Hillsville for a free consultation about your legal options.
A distinctive aspect of the personal injury practice at McGrady & McGrady is our ability to find additional sources of insurance coverage that can often help meet the claims of people who have been badly hurt in car accidents. To learn more about this feature of our work, contact our office in Hillsville, Virginia.
Uninsured and Underinsured Motorists
When a driver refuses or is unable to carry proper motor vehicle insurance, that driver puts more than just him- or herself at risk. If the driver injures another person, the insurance will be inadequate to cover the damages. Injured parties, however, may be covered by their own insurance policies; uninsured and underinsured motorist coverage protects accident victims in these cases. If you have been involved in an accident with an uninsured or underinsured driver, it is important to contact an attorney at McGrady & McGrady, LLP in Hillsville, Virginia, to create a plan of action.
Uninsured Motorists
Even if your state requires all drivers to carry auto insurance, the driver who injured you or your passenger may not have had insurance. Or you may have been hurt in a hit-and-run accident, making it impossible to identify the driver at all.
This is when uninsured motorist coverage will step in to protect your interests. Many states require auto insurance companies to offer uninsured motorist coverage. If your insurance company offers uninsured motorist coverage, and you chose to include it in your policy, then your insurance company will act as if it were the at-fault driver’s insurance company in compensating you.
When you file an uninsured motorist claim, your insurance company’s interests can be adverse to your interests. Consulting with an attorney before filing a claim is wise.
Underinsured Motorists
When the at-fault driver is underinsured, this means that the driver has purchased an auto insurance policy that does not provide enough coverage for your damages. If you have underinsured motorist coverage, you may be able to collect, from your own insurance company, the amount of your damages that exceeds the at-fault driver’s insurance coverage.
Collecting Insurance Benefits
To recover benefits under an uninsured or underinsured motorist policy, the victim typically will need to show that the other motorist was at fault. The victim will also need to prove that his or her bodily injuries were significant. To collect benefits under an underinsured motorist policy, the victim will need to collect as much as possible from the at-fault driver’s insurance company first.
Stacking Insurance Coverage
In some states and under some insurance policies, an injured party may “stack” various policies to reach a satisfactory level of compensation. By stacking coverage from more than one auto insurance policy — or coverage for more than one car on a single policy — the injured party increases monetary recovery. Stackable coverage is not allowed in every state; in some cases, the insured must choose to have stackable coverage upon purchasing the policy.
Contact an Attorney
Uninsured and underinsured motorist coverage protects accident victims when they are most vulnerable. Not every policy has such coverage, however, and the victim’s approach to the situation can change the level of compensation he or she receives. Indeed, some rules do not require the victim’s insurance company to pay the victim if the victim settles prematurely with the at-fault motorist’s insurance company. This is why it is so important to work with an experienced attorney from McGrady & McGrady, LLP in Hillsville, Virginia.
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