Hit by an Uninsured Driver? Our West Virginia Auto Accident Lawyers Can Help
Being involved in an auto accident is always stressful, especially if you’ve been injured. And then on top of everything, you find out the driver who caused your accident was uninsured. What do you do when you’ve been hit by an uninsured driver? What are your options for recovery? The West Virginia auto accident lawyers at Burke, Schultz, Harman & Jenkinson can answer all your questions and ensure your injury claims are handled appropriately.
Uninsured Motorists in West Virginia
According to the most recent data available, approximately 10% of drivers in West Virginia do not have car insurance. To address this problem, West Virginia law requires all insured drivers to have uninsured motorist coverage. It comes as part of your car insurance policy, even if you only have liability coverage. In other words, an insurance company cannot sell you a car insurance policy without uninsured motorist coverage. The minimum limits are $25,000 per person, $50,000 per accident, and $25,000 for property damage.
Despite including uninsured motorist coverage as part of your car insurance policy, the insurance company may still try to avoid paying you benefits if you were hit by an uninsured driver. Our experienced West Virginia auto accident lawyers can help in this situation. Insurance companies use specific tactics to minimize payouts to policyholders, seemingly treating the whole claim process like a game—they win if you settle for less than you deserve. We know that for you this is not a game. You need your benefits to cover the cost of your injuries and damages, and we can make sure you get them.
Obtaining Additional Uninsured Motorist Coverage
If you’re involved in a serious auto accident, the minimum limits for uninsured motorist coverage will likely not be enough to cover all your medical expenses, lost wages, and other damages arising from the accident. For this reason, insurance companies are required to offer you the maximum limits of uninsured motorist coverage: $100,000 for bodily injury, per person; $300,000 for bodily injury, per accident; and $50,000 for property damage. You may elect to pay an increased premium for this coverage, but the insurance company’s goal remains the same—to pay you as little as possible. Having additional uninsured motorist coverage is only beneficial if you get what you’ve paid for, which is why seeking legal counsel after a serious auto accident is so important.
Talk to an Experienced West Virginia Auto Accident Lawyer
If you’ve been hit by an uninsured motorist, call us at Burke, Schultz, Harman & Jenkinson. Since 1980, we’ve helped auto accident victims in Martinsburg and the eastern panhandle of West Virginia assert their rights against insurance companies, and we look forward to helping you.