Uninsured & Underinsured Motorists
The American Insurance Institute estimates that 15 percent or more of all drivers on the road do not carry the legal amount of auto insurance. If you are injured because of a negligent uninsured driver, where do you turn for help? Your own uninsured motorist insurance (UM) should cover your medical expenses and other losses, but you may find that your insurance company will oppose your claim.
At the Law Office of Matthew Vance, P.C., I am ready to help you seek full and fair money damages from every available insurance source. This may include:
- Your own uninsured motorist insurance policy
- Social host liability, dram shop laws
- Local municipal entity
- Lawsuit against the personal assets of the negligent driver
Auto insurance claims are complex and, unfortunately, some insurance adjusters practice in bad faith. Even your own company will cause delay tactics and may not tell you about all of the coverage that is available to you. You may need to know when you can "stack" insurance coverage or when you may be entitled to punitive damages from your own insurance company because of the reckless, willful, or wanton conduct of another driver. I understand what the possible coverage is and how to prove the underlying case that will trigger all of the coverage.
Contact my office to schedule a free consultation about your uninsured motorist injury or wrongful death claim. I handle all UM and under-insured accident claims on contingency. If I can't help you recover money, you won't pay attorneys fees. From my office in Albuquerque, I represent clients throughout New Mexico.
I can help you recover compensation for all types of UM accidents, including:
- Auto accidents, including drunk driver accidents
- Motorcycle accidents
- Truck accidents
- ATV, boat and recreational vehicle accidents
Under New Mexico law, you are required to sign a waiver specifically stating that you rejected UIM coverage, when it was offered to you. If you did, don't give up. There are additional requirements that the insurance company must follow to ensure that the rejection was done fairly and knowingly. We may still be able to reform the policy to include the coverage on your insurance policy.
Learn more about auto accidents at these information pages:
- What to do after a car crash
- Car crash information form
- FAQ about personal injury
- Anatomy of a civil personal injury case
Hire a lawyer who has experience as a former insurance defense attorney. Contact my office in Albuquerque to arrange free consultation today.