No one ever wants to be in a car accident. You might be dealing with severe pain, long hospital stays, and a mountain of medical bills. What makes this situation worse is when the driver who hit you doesn't have car insurance.
If you've been hit by a driver without insurance, you can still get compensation. Your own insurance policy should have uninsured/underinsured motorist coverage. This policy covers accidents involving drivers without auto insurance.
You need an Omaha uninsured motorist attorney to help you seek the money you need for your medical bills and other losses. We understand how emotionally exhausting and financially burdening this situation can be. Our goal is to take the weight off your shoulders so you can focus completely on healing.
Contact DM Injury Law today for a FREE case consultation. Our team has recovered over $1 billion for our clients. You pay NOTHING out of pocket or upfront when you hire DM Injury Law. Tell us your story today.
Call (314) 557-4659 or contact us online today for a free consultation.
Why Choose DM Injury Law for your Nebraska Uninsured Motorist Accident Claim?
Insurance companies don't care about your pain and suffering. The adjusters are trained to pay you as little as possible. That is why you need the help of an underinsured motorist accident law firm in Omaha that has the resources to secure the compensation you need to pay for your bills.
Here's what makes DM Injury Law different:
Over $1 Billion Secured for Clients
Over the years, we have successfully secured over $1 billion for our clients. We know how to handle the most complex cases. Our case results are proof of how hard we fight for our clients.
Here are a few case results we've secured:
$11 Million for a family who lost a loved one after a fatal work zone crash
$8.8 Million for a client who suffered a serious brain injury in a devastating car crash
$4.6 Million for a passenger who was thrown from a car and suffered a catastrophic brain injury
Free Consultations
We believe that everyone deserves access to top-quality legal help, no matter what. That is why we offer FREE CASE REVIEWS. You can talk to us about your crash, your injuries, and your fears without paying a single dime. We will listen to your story and answer any questions you may have.
No Fee Unless We Win
We know you are already facing huge financial stress. You should not have to worry about how to pay for a lawyer. We work on a contingency fee basis. This means YOU DO NOT PAY ANY UPFRONT FEES. We only get paid if we win your case and recover money for you. If we do not win, you owe us nothing.
A Large and Dedicated Support Staff
After a terrible crash, you deserve a legal team that will stop at nothing to get you the money you deserve. By choosing our firm, you get access to our experienced attorneys and a comprehensive support staff of investigators, case managers, and medical record specialists. Our team has the resources to thoroughly investigate your accident, collect all the necessary evidence, and build a strong case on your behalf.
Understanding Uninsured/Underinsured Motorist Coverage in Nebraska
Uninsured Motorist (UI) coverage and Underinsured Motorist (UIM) coverage help you when irresponsible drivers don't have their own car insurance to pay for the damage they've caused you.
What is Uninsured Motorist (UI) Coverage?
Uninsured Motorist coverage protects you if you are hit by a driver who has absolutely no car insurance. If an uninsured driver causes a crash and hurts you, your own insurance company steps in to pay for your medical bills, lost wages, and pain and suffering, up to the limit of your policy.
What is Underinsured Motorist (UIM) Coverage?
Underinsured Motorist coverage protects you if you are hit by a driver who has insurance, but their coverage limits are too low to pay for all of your damages.
For example, if your medical bills are $100,000, but the at-fault driver only has $25,000 in coverage, their insurance will pay the $25,000. Then, your UIM coverage can kick in to help cover the remaining $75,000.
Even though it's your own insurance policy, the company will still try to pay you as little as possible. They care about protecting their profits, not helping you during this difficult time. That's why it's important to hire an Omaha underinsured motorist lawyer who can help you navigate this confusing process and ensure your insurance company pays what they owe you.
The Laws in Nebraska and Iowa
In Nebraska, the law requires every driver to carry Uninsured and Underinsured Motorist coverage. According to Nebraska Revised Statute 44-6408, your auto insurance policy must include this protection.
In neighboring Iowa, the laws are different. Iowa does not force drivers to buy UI/UIM coverage. However, it is highly recommended that all Iowa drivers add this coverage to their policies. Without it, a crash with an uninsured driver could leave you completely responsible for your own medical bills.
What Happens Without UI/UIM Coverage?
Driving without UI/UIM coverage is a massive risk. According to a recent report by the Insurance Research Council, a shocking one in three drivers on the road were either uninsured or underinsured.
If you do not have UI/UIM coverage and you are hit by an uninsured driver, your options to get money are very limited.
Suing the Driver Directly
You have the right to file a lawsuit directly against the driver who hit you. However, drivers who do not buy car insurance oftentimes do not have much money or property. Even if a judge orders them to pay you, you cannot collect money from someone who is broke. You could win your case in court, but still never see a single penny.
The Cost of Severe Injuries
If you need surgery, long-term physical therapy, or if you can never return to work again, your losses will be massive. Without insurance money to cover these costs, victims can face bankruptcy and financial ruin. This is why having UI/UIM coverage on your own policy is so important.
If you are stuck on what step to take next, talk to our lawyer for an accident where the driver didn't have insurance in Omaha for legal help. We also help victims who were hit by a drunk driver or a distracted driver. No matter how the crash happened, we will look under every rock to find insurance money to help you heal.
Contact DM Injury Law for a FREE CONSULTATION.
Call (314) 557-4659 or contact us online today for a free consultation.
How a UIM/UI Attorney Can Help You
When you hire our Omaha lawyer for uninsured motorist claims, you can rest assured your case will be investigated to the full extent. We will leave no stone unturned in helping you secure the money you need to pay for bills and other losses.
Here's how we'll handle your case:
- Free Case Review: We start with a simple, no-obligation phone call to listen to your story, review your records, and explain your rights in clear, straightforward language.
- Thorough Investigation: Once you hire us, our team immediately gets to work gathering evidence, interviewing witnesses, and reviewing police reports.
- Insurance Negotiations: You can stop worrying about dealing with insurance adjusters. We handle all communications, paperwork, and claims. We will present strong evidence of your losses and demand the fair settlement you deserve.
- Courtroom Litigation: While most cases settle out of court, we prepare every case for trial. If the insurance company refuses to offer a fair settlement, we are ready to fight for you in court and will not back down.
Omaha Uninsured/Underinsured Motorist Claim FAQs
Will my insurance rates go up if I file an uninsured motorist claim?
Many people are scared to use their own UI/UIM coverage because they fear their monthly insurance bill will go up. In most cases, if the crash was not your fault, your insurance company should not raise your rates just because you used the coverage you pay for.
How do I know if the other driver has insurance?
After a crash, the police will usually ask both drivers for their insurance cards. This information will be written on the official police crash report. If the other driver refused to give their information or gave fake information, our team will investigate to find out the truth.
What if I was a passenger in someone else's car?
If you were a passenger in a friend's car and an uninsured driver hit you, you might be able to use your friend's UI/UIM coverage to pay for your medical bills. If your friend does not have enough coverage, you might also be able to use the UI/UIM coverage on your own personal auto policy.
Do I really need a lawyer for this?
Yes. An Omaha uninsured motorist lawyer knows exactly how to read confusing insurance policies. We know the tricks insurance companies use to deny claims. Without a lawyer, you risk walking away with far less money than you actually need to cover your medical bills and lost wages.
What if I was in a hit-and-run accident?
If you were involved in a hit-and-run accident, there are still options to seek justice and compensation. Even if the at-fault driver cannot be identified, you may be able to file a claim through your own uninsured motorist coverage.
Contact Our Omaha Uninsured Motorist Crash Attorney for a Free Consultation
If you were hit by a driver with no insurance, you still have options to get the money you need to pay for your medical bills. Contact DM Injury Law today to schedule your FREE CONSULTATION. You PAY NOTHING out of pocket or upfront. We only collect a fee if we win your case.
Call (314) 557-4659 or contact us online today for a free consultation.