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Uninsured / Underinsured Motorist
Experienced Uninsured Motorist Lawyer – New Hampshire
In New Hampshire, a substantial number of drivers operate without any automobile insurance or without sufficient insurance coverage, adding a layer of complexity to the distressing experience of a car accident.
Insurance is typically relied upon as a post-accident safeguard, with the at-fault party’s coverage expected to compensate you for your property damage, medical expenses, lost wages, and pain and suffering. New Hampshire follows an at-fault system, where even though auto insurance isn’t mandatory, the at fault motorist bears both legal and financial responsibility for any injuries or damages caused to you.
Contact our office today at 603-935-7425 if you or a family member has been involved in an accident with an underinsured or uninsured motorist. Attorney Charles Teale is an experienced New Hampshire lawyer and is happy to provide a free consultation.
Uninsured Vs. Underinsured
UNINSURED
Uninsured refers to a motorist without any form of insurance. To further complicate this scenario, the uninsured negligent party may also be unable to cover the costs of damages and medical expenses, leading to significant financial strain for the victim. This lack of resources can make it challenging to recover the full extent of your losses.
UNDERINSURED
Underinsured, on the other hand, refers to a motorist with insurance, but not enough coverage to compensate you for your losses. Typically, these motorists have purchased inexpensive auto insurance policies, providing the bare minimum amount of coverage.
Don’t Wait to Act
The statute of limitations in New Hampshire for initiating an accident claim is three years from the date of the incident. Failure to file or settle your case within this timeframe means you lose the right to sue or obtain a judgment, forfeiting any opportunity for compensation. This underscores the importance of promptly engaging a lawyer familiar with uninsured or underinsured motorist accidents.
Protect You and Your Family
To safeguard yourself and your family against uninsured or underinsured drivers, it’s wise to increase the liability coverage on your insurance policy. Your uninsured and underinsured motorist coverage is the same amount as the liability coverage you select. The minimum amount of coverage auto insurers are able to sell is $25,000. In many cases, this is not nearly enough to cover you if you are seriously injured by an uninsured motorist.
Consider increasing your Medical Payments Coverage. This helps cover the costs of medical expenses for you and your passengers if you’re injured in a car accident, regardless of who is at fault. This coverage can be particularly valuable as it often applies to a wide range of medical services, including hospital visits, surgery, and even some forms of rehabilitation. It also helps pay co-pays, deductibles, and other expenses that are not covered by health insurance. By including medical payments coverage in your insurance policy, you can ensure that you have additional financial protection to manage unexpected medical costs resulting from an accident.
In addition, underinsured motorist coverage in New Hampshire doesn’t include protection for physical damage to your vehicle. To ensure full coverage for your car in the event of an accident with an underinsured or uninsured driver, you’ll need to have collision coverage in place.
Teale Law: Expert Guidance for Securing Your Compensation
At Teale Law, we recognize the hurdles you may face in securing rightful compensation mandated by the law. Our legal team is prepared to address your inquiries and guide you through the process of pursuing complete compensation from relevant insurance policies, including your own. We are proficient in navigating legal complexities and insurance company strategies, and are here to advocate for you, launching an effective fight to secure comprehensive compensation that encompasses medical expenses, lost income, pain and suffering, permanent or protracted impairment, property damage, and more.
Regardless of the circumstances, if you’ve sustained injuries due to someone else’s negligence, you likely have grounds for a personal injury claim. If you or a loved one has experienced an injury, contact our office today at 603-935-7425 to arrange a free consultation.
ABOUT US
Full Service Personal Injury Law Firm
Choosing the right personal injury attorney is crucial if you’ve suffered injuries due to someone else’s negligence. This decision is significant, as you and your attorney will collaborate closely throughout your case. It’s essential to feel confident and comfortable with your legal team, especially considering the potential financial and emotional burdens following an accident. A reputable and experienced personal injury attorney is necessary to advocate for you, ensuring timely and maximum compensation.
Experience You Can Trust
The members of our legal team are dedicated and serve as compassionate advocates for our clients – protecting their rights while providing a high level of personalized attention. It is the firm’s mission to maximize your recovery while keeping you informed every step of the way.
“Knowledgeable, honest, gets it done!”
“Competent, Intelligent & Level-Headed”
“Attorney Teale and his office staff were vigilant and available whenever needed.”
Request a Free Injury Consultation Today
Initial consultations on all injury cases are complimentary. There are no attorney fees on personal injury cases unless you receive a settlement or a favorable verdict in your case. There is no risk or obligation to you to contact us today for your free consultation.
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