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Prescott Underinsured/Uninsured Accident Lawyers

If you are injured because of someone’s negligent actions, you may not know how to feel or what steps to take next. You will likely feel especially confused if the other party is underinsured (insufficient insurance coverage to pay for the harms and losses) or what is worse, has no auto insurance to pay anything. Can you get compensation for your damages if the other party doesn’t have sufficient coverage? What compensation are you eligible to receive?

If you’re concerned about what to do next, our team at Jensen Phelan Law Firm is able to quickly help. We are specialists in personal injury law. We dedicate ourselves to supporting our clients through every step of the legal process. We are able to get our clients the compensation they rightfully deserve. For a complete breakdown of what to do if you get into an auto accident with an underinsured or uninsured party, please continue reading to learn more.

Can I Get Compensation After an Accident With an Underinsured or Uninsured Driver?

If you are injured after an accident with an uninsured or underinsured motorist, you may be able to recover compensation for your damages. For example, if you have your own underinsured or uninsured motorist coverage, you will typically receive financial compensation if the negligent party doesn’t have enough coverage on their auto insurance. You may be able to receive fair compensation for both economic (e.g. medical expenses, loss of earnings) and non-economic (such as pain, emotional suffering, disfigurement, harm to relationships, etc.) damages.

You should promptly notify your insurance that the at-fault driver was uninsured or underinsured. If you don’t let your insurance company know, they may not be liable for those coverage benefits. If you need help contacting your insurance company or would like to maximize your potential compensation, we recommend speaking to a underinsured/uninsured accident attorney without delay. Your underinsured/uninsured accident lawyer may be able to navigate through the legal process with you, negotiate with insurance adjusters and other legal representatives, and do much more.

You also have the option to sue the uninsured or underinsured negligent party, though they may not have enough assets or possessions to make this step worth it. If you decide to take legal action against the uninsured or underinsured motorist, please exercise extra caution and speak with legal counsel promptly to weigh your options. Your lawyer may be able to carefully analyze the evidence, law, and collectable assets, and, by that, determine which option is best for your circumstances.

What Damages Are Eligible for Compensation?

If you are seeking compensation for your damages, you may be able to collect on eligible claims. Certain damages are generally covered by insurance coverage, whether the negligent party has sufficient coverage or not. You may be able to receive compensation for some or all of the following damages:

  • Physical pain
  • Emotional suffering
  • Medical costs, including
    • Ambulance fees
    • Hospital or emergency room bills
    • Physical therapy charges
    • Expenses for other accident-related past or future medical care
  • Property damage (such as damage to the accident vehicle you are in)
  • Loss of wages
  • Loss of wage-earning potential
  • Wrongful death (damages are different than for injuries)
  • Loss of consortium or companionship (harm to the relationship of a spouse, child, etc.)
  • Loss of monetary support
  • Scarring and/or other disfigurement 
  • Impairment (an injury that prevents normal function of part of the body)

Compensation may not be limited to these damage categories. If you would like to maximize your potential compensation, we recommend retaining an experienced underinsured/uninsured accident lawyer. Your lawyer may be able to identify lawful injury claims, how to prove them, and then negotiate with insurance adjusters as well as assist in other areas of the legal process. The threat of a lawsuit by an experienced and competent underinsured/uninsured accident lawyer makes your claim worth more for settlement most of the time. 

How Can a Specialist Prescott Personal Injury Lawyer Help?

If you intend to take legal action to receive fair compensation for your damages, you may want to find legal representation. We strongly recommend hiring top-quality legal representation, as this often results in larger awards of compensation. Therefore, try to retain the best specialist injury lawyers possible. Your lawyer can assist in the following areas:

  • Legal knowledge
  • Negotiation skills
  • Strategize the next best steps based on your current circumstances
  • Maximize your potential compensation by identifying proof for each damage claim
  • Handle long-term negotiations with insurance company adjusters
  • Handle dealings with other legal representatives such as insurance company lawyers
  • Refer you to appropriate medical specialists and other professionals
  • Provide other helpful resources
  • Reduce your overall stress levels
  • Lead or join investigations
  • Collect proof, and analyze evidence related to your case

If you want to take legal action, please refrain from representing yourself. A qualified and specialist personal injury lawyer is far more likely to represent you effectively and favorably, getting you the results and compensation you deserve. It’s strongly recommended that you hire a underinsured/uninsured accident lawyer as soon as possible, as this is the best way to take advantage of your representation’s skills (and you get more hours of legal work for the same fee).

Hiring a lawyer early may also help you organize the facts of your case efficiently, put useful strategies into effect when this is the most necessary, and much more. Your underinsured/uninsured accident lawyer may be able to support you in many areas, leading to a better result, so please avoid representing yourself if possible.

Get the Compensation You Need With Jensen Phelan Law Firm’s Specialist Personal Injury Lawyers in Prescott

We at Jensen Phelan Law Firm are specialists in personal injury law, and we may be able to help you receive the compensation you deserve. If you are injured due to another party’s negligent actions, we believe you deserve to be fairly compensated and treated with support through every step of the legal process. We have a history of winning cases for clients, and we may also be able to help you.

If you think Jensen Phelan Law Firm would be a good fit for your legal representation, please get in touch with us for a free assessment of your case value and an explanation of your rights. Please don’t hesitate to get in touch with us by calling (928) 778-2660 or completing our contact form at your earliest convenience. We are waiting to hear from you.