When The Other Driver Is Uninsured

Hit By A Driver Who Doesn't Have Insurance?

What happens when a driver with no insurance causes a vehicle collision with you? It may become incredibly difficult to file a claim or to receive the insurance benefits you need. For that reason, you need experienced representation from McCoy & McCoy.

With a complete focus on personal injury law, our personal injury attorneys in Hartford can help you prepare a claim for the compensation you deserve. Call us at 860-856-9283 for a free case evaluation.

Filing A Claim After Your Accident With An Uninsured Or Underinsured Driver

Did you know that it is required by every auto insurance policy to provide coverage for accidents with uninsured or underinsured motorists in Connecticut? If you were struck by an uninsured motorist or a hit-and-run driver, you can bring a claim against your own insurance provider to seek compensation for the following needs of your accident:

  • Medical treatment
  • Repairs to your vehicle
  • Pain and suffering reparation

Just like a regular car accident, it is important that you still receive all the information that you can from the at-fault driver, repair costs to your car and any witness statements you can before you file a claim.

If you were struck and the at-fault driver fled the scene, you will want to record the following:

  • Damage to your car
  • Witness statements
  • Police reports
  • Estimates for repair

Covered Participants Of An Injury Claim

Underinsured or uninsured motorist (UM/UIM) claims from your insurance provider will generally cover not only you, but anyone living in your household, your spouse and your children, if they were involved in an accident. Some providers will also cover anyone in your vehicle at the time of the accident.

Before you decide to file a claim, it is recommended that you speak with an experienced Connecticut personal injury attorney and figure out if your coverage will provide compensation for all passengers, some passengers or just you. These uninsured and underinsured claims can be difficult to file properly, so consultation with and assistance from a trusted lawyer is important.

Our principal lawyer, Frank McCoy Jr., is certified in civil trial law by the National Board of Trial Advocacy — a certification that fewer than 0.5 percent of all Connecticut lawyers have earned.

Can You Appeal A Denied Claim?

Did you file a claim to receive compensation for an uninsured motorist accident? Was your claim denied? This can be particularly frustrating, especially because you rely on your insurance company to act in good faith and assist you in your time of need – especially if you have paid your premiums and never faulted on payments.

If you filed for an uninsured motorist claim that was denied by your insurance provider, you can appeal your denial. Receiving the compensation that you deserve after an accident is important to you and your family. Proper reparation plays a vital role in helping you heal and repair the damages done to you emotionally, physically and of course, to your car.

Before you appeal a claim, make sure you do the following with an attorney's help:

  • Read through your policy and ensure that it covers uninsured motorists
  • Receive as much information about the denial from your insurance provider
  • Write a letter with the reason for your appeal clearly stated
  • Gather medical records to prove in front of a jury
  • Keep track of the appeals process

Are you looking to appeal your denial? You need to ensure that your claim is properly handled. With the guidance of our dedicated legal staff, you can rest assured that your claim will be appealed in a timely manner and that all actions will be taken to help you receive the compensation that you deserve after an accident.

Meet Your Attorney From McCoy & McCoy Today

At McCoy & McCoy, we have the experience and reliable reputation to get you through any personal injury situation. Our aggressive and understanding legal team can help you:

  • File a personal injury claim
  • Appeal denied insurance coverage
  • Fight for your compensation

We understand that a favorable settlement or verdict is important to you, especially after a negligent or at-fault driver caused a serious accident and they were not able to provide insurance benefits to you. McCoy & McCoy's personal injury lawyers have been able to provide quality representation to clients throughout Connecticut since 1960.

Please contact our firm regarding your particular situation. Do not hesitate to call us today at 860-856-9283 .