Being in an accident is frightening. Being in one with a negligent driver without insurance can create even more fear. You might be wondering about how you will cover your medical expenses, property damage, and more. Do not worry; you have options. Our Omaha uninsured car accident lawyer is here to help you get the compensation you need and deserve.
Contact Ben Crump Law, PLLC, today at (800) 598-7557 for a free consultation. We can help you learn more about the options that are right for your situation. We have won more than $30 million in awards for our clients’ personal injury and wrongful death lawsuits, and we might be able to help you with your case. We also work on a contingency basis, so you only pay when you win a financial award.
Understanding Omaha Car Insurance Laws
According to an Insurance Research Council report, nearly 7% of Nebraska drivers were uninsured in 2015. While this might cause some concern, it is good to know that Nebraska also makes it mandatory for those who have insurance to carry uninsured or underinsured coverage (UM/UIM). This is to protect you from that 7%.
Nebraska Revised Statute §60-509 states that motorists must have the following minimum liability car insurance coverage:
- $25,000 for bodily injury per person
- $25,000 for property damage
- $50,000 per accident for bodily injury
- $50,000 UM/UIM per accident
- $25,000 UM/UIM per person
If law enforcement catches a motorist without insurance, the motorist will have their license suspended and might have to pay a fine. They will also have to pay a reinstatement fee of $50 and possibly file a Nebraska SR-22 insurance document showing proof of financial liability to the DMV for three years following the reinstatement of their driver’s license.
For a free legal consultation with a uninsured car accidents lawyer serving Omaha, call 800-598-7557
Filing a Claim Against Your Insurance Company
Unfortunately, filing a claim with your insurance company to cover the cost of an accident that was not your fault is no easier than filing a claim with a negligent insured motorist. It is also unfortunate that these minimum coverages do not always cover the cost of the accident.
Depending on the factors of your case, some medical costs can be substantially higher than the premiums. Insurance companies will do their best to offer you the lowest compensation possible. This is why some people seek the counsel of a personal injury attorney. Before you speak to a claims adjuster and possibly risk losing out on the financial award you are due, let us help you manage your claim and your lawsuit.
If you find yourself facing unresolved issues with your insurance company, you could file a complaint with the Consumer Affairs Division.
When you cannot receive the full coverage for your losses through your insurance, you will probably find yourself filing a lawsuit against the uninsured driver for the remainder of the costs. However, in these cases, you may also find this proves insufficient because uninsured drivers typically will not have the assets or means of covering the lawsuit.
Omaha Uninsured Car Accident Lawyer Near Me 800-598-7557
How an Omaha Uninsured Car Accident Lawyer Could Help You
Hiring an Omaha uninsured car accident lawyer means you are hiring legal representation that is ready to advocate on your behalf. Uninsured drivers cause a lot of unnecessary work on your part on top of the pain and suffering they caused in the accident. We can negotiate with insurance companies while investigating the best route for you to take based on your case’s circumstances. Filing a lawsuit in these scenarios is not always the best route.
Ben Crump Law, PLLC, is always ready to take on even the toughest of cases. We work to protect your rights, and you are not left alone in fighting for your compensation. It would help if you could spend that time healing, not figuring out how you will pay for that healing. Contact us today for a free consultation. We are here when you are ready.
Time Limits for Filing
Nebraska Revised Statute § 25-207 states that the statute of limitations for filing a personal injury lawsuit is four years from the accident date. There is also a 10-day window for filing an accident report in Nebraska, which you can file here.
Make sure that you file a crash report because it is especially important. Both parties must file this crash report or face possible misdemeanor charges. However, this is only necessary if a death is involved or the damages are suspected to be more than $1,000.
Proving Liability and Collecting Damages
Nebraska follows the comparative negligence law, which means you must be less than 50% at fault to receive compensation. It also means that any percentage you are at fault for will be deducted from your payment. You will also want to gather evidence to prove you are not the one liable regardless of whether the motorist had insurance or not. Proving negligence is vital to get the compensation you need to cover your losses.
Items you should gather for evidence include:
- Photos of the accident scene
- Medical records
- Crash reports
- Police report
- Witness testimony
- Security footage
- Vehicle data (some newer vehicles offer data based on computer systems installed in the dashcams and other sensing areas)
Once you have established your case and filed your lawsuit, you may be able to recover compensation for:
- Pain and suffering
- Lost wages
- Loss of companionship
- Medical bills
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Contact an Omaha Uninsured Car Accident Lawyer Team Today
Uninsured motorists cause a lot more collateral damage than just the accident. Their irresponsibility can leave a victim with less coverage for their losses and more premiums. It can also leave them in a whole lot of trouble. When you face these issues and your insurance company, you might benefit from having an Omaha uninsured car accident lawyer on your side.
Contact Ben Crump Law, PLLC, today at (800) 598-7557 for a free consultation. Whether you need to file a lawsuit or a claim, we are here to negotiate on your behalf. Let us help you seek the compensation you deserve for your losses. Call today.