Car accidents are a fact of life that occur primarily due to human error. Carelessness, distracted driving, and impairment are just a few of the ways that a driver can cause a crash that injures you. When this situation occurs, you expect to be able to file a claim with the insurance company for the at-fault driver and get compensation for your injuries and any property damage.
In some cases, however, the driver has no insurance, or you fell victim to a hit-and-run accident. As a result, you may want to contact an Albuquerque uninsured car accident lawyer for help.
Uninsured drivers do face penalties for their actions, including license suspensions and fines. However, those penalties do not solve your accident-related losses. Fortunately, you may have some options when it comes to uninsured car accidents, including compensation from your uninsured motorist policy.
Call (800) 598-7557 and learn more about how the attorneys and staff at Ben Crump Law, PLLC can assist you with your legal matter.
What You Should Know About Uninsured Drivers and Car Accidents
State law requires that all drivers carry minimum levels of vehicle insurance. The New Mexico Motor Vehicle Department (MVD) states that this includes:
- $25,000 for bodily injury to or death of one person,
- $50,000 for bodily injury to or death of two or more persons, and
- $10,000 for property damage in any one accident
However, car accidents attributable to human error occur frequently across the state. The cause of your crash may have been:
- Driver inattention
- Failure to yield the right-of-way
- Following too closely
- Alcohol or drug impairment
- Excessive speed
For a free legal consultation with a uninsured car accidents lawyer serving Albuquerque, call (800) 598-7557
Understanding Uninsured Motorist Coverage
When an uninsured driver causes an accident that causes you personal injuries, property damage, or both, you may have a claim against your uninsured motorist coverage. New Mexico law does not require drivers to carry uninsured motorist coverage, although most insurance agents advise getting this type of coverage.
If you have this coverage, however, you may be able to file a claim of your accident-related expenses if the at-fault driver has no insurance. The extent of that coverage depends on your individual policy and the vehicle on which you have uninsured motorist coverage.
For instance, if you have uninsured motorist coverage on the vehicle that you are driving at the time of the crash, then you can file a claim against the policy for personal injuries and property damage to your vehicle. An Albuquerque uninsured car accident lawyer can assist you in determining what insurance coverage is available to you in your situation.
Albuquerque Uninsured Car Accident Lawyer Near Me (800) 598-7557
Potentially Recoverable Compensation in Uninsured Car Accident Cases
The amount of compensation you could pursue depends on the severity and duration of your injuries, among other factors. The types of awards available to you may include:
Your past and future medical expenses related to your injuries are compensable under your insured motorist policy. This form of compensation can include everything from emergency medical services and surgical costs to expenses for ongoing rehabilitation. If you likely will need medical treatment in the future, you also can seek compensation for those costs.
If you are unable to work due to your injuries, you can get compensation for your lost wages. As long as a doctor requires you to be off work, your claim should cover these expenses. Plus, if you are permanently disabled and unable to return to your former (or any) job, you can seek awards for these economic losses, as well.
Pain and Suffering
Aside from purely financial losses, such as medical expenses and lost wages, you also can recover compensation for physical pain and suffering, as well as emotional trauma related to the accident.
How a Lawyer from Our Firm Can Help You and Your Family
When you suffer injuries and other losses in a car accident with an uninsured driver, you may feel as if you will be stuck bearing the cost of all your medical bills and vehicle damage on your own. Fortunately, you may be able to file a claim with your uninsured motorist insurance policy, if available.
While you might think that filing a claim with your insurance company would be a somewhat simple process, that is not always the case. As a result, you might consider talking to an Albuquerque uninsured car accident lawyer for more information.
We know that finances can be tight when you are dealing with unexpected medical bills, vehicle damage, and loss of income due to an inability to work. The attorneys at Ben Crump Law, PLLC will take your uninsured car accident claim on a contingency-fee-basis.
Therefore, you will pay nothing for our services until you get payment for your injuries. Call today at (800) 598-7557 to learn more about the services that we can offer you.
The specific ways that we can assist you may include the following:
- Searching for evidence to support your claim
- Analyzing your case
- Speaking with eyewitnesses
- Utilizing our resources and contacts to recruit expert witnesses
- Collecting photos, videos, and medical documents
- Making sure that you understand your options
- Protecting your legal rights
- Securing a fair settlement or award for you
- Negotiating with insurance companies for you
- Filing paperwork on time and with the proper parties
- Visiting the scene of the accident to look for accident debris or tire tracks
- Ensure that your case does not extend past the statute of limitations imposed by New Mexico Statutes §37-1-8