Settlement Alerts:

$9,250,000 Defamation Case Win Against The New York Times 8/26
$6,800,000 Wrongful Death 8/26
$81,000,000 Children Born Addicted (as part of the trial team)
$18,000,000 Product Liability 12/19
$13,000,000 Medical Malpractice – Sexual Assault 8/23
$225,000 Civil Litigation 7/26
$50,000 Motor Vehicle Accident 7/26
$30,000 Medical Malpractice 7/26
$25,000 Motor Vehicle Accident 7/26
$42,690 Motor Vehicle Accident 7/26
$2,759,223 Opioid Litigation 6/26
$70,000 Medical Malpractice 6/26
$25,000 Motor Vehicle Accident 6/26
$100,000 Motor Vehicle Accident 5/26
$25,000 Motor Vehicle Accident 5/26
$420,000 Jail Litigation 5/26
$25,000 Motor Vehicle Accident 5/26
$650,000 Jail Litigation 5/26
$46,937 Opioid Litigation 5/26
$150,000 Wrongful Death – Jail Litigation 5/26
$285,000 Medical Malpractice 4/26
$25,000 Motor Vehicle Accident 3/26
$50,000 Motor Vehicle Accident 3/26
$25,000 Motor Vehicle Accident 3/26
$25,000 Motor Vehicle Accident 3/26
$50,000 Motor Vehicle Accident 3/26
$50,000 Personal Injury 3/26
$40,000 Motor Vehicle Accident 2/26
$50,000 Motor Vehicle Accident 2/26
$32,500 Motor Vehicle Accident 2/26
$42,500 Motor Vehicle Accident 1/26
$30,000 Personal Injury 1/26
$50,000 Motor Vehicle Accident 12/25
$25,000 Motor Vehicle Accident 12/25
$25,000 Motor Vehicle Accident 11/25
$77,500 Motor Vehicle Accident 11/25
$25,000 Motor Vehicle Accident 11/25
$25,000 Motor Vehicle Accident 9/25
$25,000 Motor Vehicle Accident 9/25
$26,668 Personal Injury 9/25
$25,000 Personal Injury 9/25
$97,500 Personal Injury 9/25
$25,000 Motor Vehicle Accident 9/25
$100,000 Wrongful Death – Jail Litigation 8/25
$100,000 Wrongful Death 7/25
$45,000 Motor Vehicle Accident 7/25
$200,000 Wrongful Death 6/25
$1,200,000 Wrongful Death – Jail Litigation 6/25
$200,000 Slip & Fall 6/25
$26,000 Motor Vehicle Accident 5/25
$800,000 Jail Litigation 5/25
$925,000 Motor Vehicle Accident 5/25
$25,000 Motor Vehicle Accident 4/25
$125,000 Motor Vehicle Accident 4/25
$700,000 Jail Litigation 4/25
$25,000 Motor Vehicle Accident 4/25
$125,000 Personal Injury 4/25
$20,000 Motor Vehicle Accident 2/25
$1,300,000 Jail Litigation 2/25
$210,000 Slip & Fall 2/25
$100,000 Motor Vehicle Accident 2/25
$975,000 Medical Malpractice 1/25
$4,000,000 Jail Litigation 1/25

$9,250,000 Defamation & False Light 8/26
$6,800,000 Wrongful Death 8/26
$81,000,000 Children Born Addicted (as part of the trial team)
$18,000,000 Product Liability 12/19
$13,000,000 Medical Malpractice – Sexual Assault 8/23
$225,000 Civil Litigation 7/26
$50,000 Motor Vehicle Accident 7/26
$30,000 Medical Malpractice 7/26
$25,000 Motor Vehicle Accident 7/26
$42,690 Motor Vehicle Accident 7/26
$2,759,223 Opioid Litigation 6/26
$70,000 Medical Malpractice 6/26
$25,000 Motor Vehicle Accident 6/26
$100,000 Motor Vehicle Accident 5/26
$25,000 Motor Vehicle Accident 5/26
$420,000 Jail Litigation 5/26
$25,000 Motor Vehicle Accident 5/26
$650,000 Jail Litigation 5/26
$46,937 Opioid Litigation 5/26
$150,000 Wrongful Death – Jail Litigation 5/26
$285,000 Medical Malpractice 4/26
$25,000 Motor Vehicle Accident 3/26
$50,000 Motor Vehicle Accident 3/26
$25,000 Motor Vehicle Accident 3/26
$25,000 Motor Vehicle Accident 3/26
$50,000 Motor Vehicle Accident 3/26
$50,000 Personal Injury 3/26
$40,000 Motor Vehicle Accident 2/26
$50,000 Motor Vehicle Accident 2/26
$32,500 Motor Vehicle Accident 2/26
$42,500 Motor Vehicle Accident 1/26
$30,000 Personal Injury 1/26
$50,000 Motor Vehicle Accident 12/25
$25,000 Motor Vehicle Accident 12/25
$25,000 Motor Vehicle Accident 11/25
$77,500 Motor Vehicle Accident 11/25
$25,000 Motor Vehicle Accident 11/25
$25,000 Motor Vehicle Accident 9/25
$25,000 Motor Vehicle Accident 9/25
$26,668 Personal Injury 9/25
$25,000 Personal Injury 9/25
$97,500 Personal Injury 9/25
$25,000 Motor Vehicle Accident 9/25
$100,000 Wrongful Death – Jail Litigation 8/25
$100,000 Wrongful Death 7/25
$45,000 Motor Vehicle Accident 7/25
$200,000 Wrongful Death 6/25
$1,200,000 Wrongful Death – Jail Litigation 6/25
$200,000 Slip & Fall 6/25
$26,000 Motor Vehicle Accident 5/25
$800,000 Jail Litigation 5/25
$925,000 Motor Vehicle Accident 5/25
$25,000 Motor Vehicle Accident 4/25
$125,000 Motor Vehicle Accident 4/25
$700,000 Jail Litigation 4/25
$25,000 Motor Vehicle Accident 4/25
$125,000 Personal Injury 4/25
$20,000 Motor Vehicle Accident 2/25
$1,300,000 Jail Litigation 2/25
$210,000 Slip & Fall 2/25
$100,000 Motor Vehicle Accident 2/25
$975,000 Medical Malpractice 1/25
$4,000,000 Jail Litigation 1/25

CALL US NOW

5-Star Google Rating•BBB Rating: A+•West Virginia State Bar•The United States District Courts for the Northern and Southern Districts of West Virginia•The Fourth Circuit Court of Appeals•The United States Supreme Court•American Association for Justice•Opioid Justice Team•Trial Lawyers Care•West Virginia Association for Justice•5-Star Google Rating•BBB Rating: A+•West Virginia State Bar•The United States District Courts for the Northern and Southern Districts of West Virginia•The Fourth Circuit Court of Appeals•The United States Supreme Court•American Association for Justice•Opioid Justice Team•Trial Lawyers Care•West Virginia Association for Justice

UM or UIM Auto Claims Lawyer in Chester

Recover What You Deserve

Guide to Uninsured and Underinsured Motorist Claims

If you were injured in a crash in Chester caused by a driver who has no insurance or not enough insurance, an uninsured or underinsured motorist claim can help fill the gap and pursue compensation for medical bills, lost wages, and other losses. Our firm handles UM and UIM matters for people across West Virginia, assisting clients in navigating complex insurance procedures, deadlines, and policy language. We focus on helping clients understand their rights under their own policies as well as how claims against other parties and insurers interact. This page explains the basics and practical steps you can take after a collision when coverage is limited.

Many car crashes leave victims unsure where to turn when the at-fault driver lacks adequate coverage. A UM or UIM claim examines whether your own insurance policy provides compensation for bodily injury or economic losses beyond what the other driver can pay. The claims process often requires timely notice to your carrier, careful documentation of injuries and expenses, and clear communication with medical providers. This overview will describe common claim scenarios in Chester, outline terms you will encounter, and offer practical advice for preserving recovery options while your claim moves forward.

Why UM and UIM Coverage Matters for Your Case

Uninsured and underinsured motorist coverage can make a decisive difference when an at-fault driver cannot fully compensate the injured party. With UM or UIM coverage, you may obtain payment for medical treatment, rehabilitation, lost income, and other damages that would otherwise go unpaid. Pursuing these claims helps reduce out-of-pocket burdens and can provide a path to fairer resolution without relying solely on the at-fault party’s assets. These coverages also encourage timely settlement and can improve access to necessary care and financial stability during recovery, including assistance with ongoing medical needs and rehabilitation costs.

About Stephen New & Associates and Our Practice

Stephen New & Associates is a West Virginia personal injury law firm serving clients who have suffered injuries in a wide range of incidents, including car accidents, truck collisions, motorcycle crashes, and more. Our practice assists with UM and UIM claims as well as medical malpractice, workplace injuries, product liability, and wrongful death matters. We help clients in Chester and throughout the region by reviewing insurance policies, communicating with carriers, organizing medical evidence, and advancing claims to protect recovery goals. Our approach centers on clear communication, practical guidance, and steady support throughout the claims process so clients understand their options and next steps.

How UM and UIM Claims Work in West Virginia

Uninsured motorist coverage applies when the at-fault driver carries no insurance, while underinsured motorist coverage applies when the at-fault driver’s policy limits are insufficient to cover your losses. These coverages are typically part of your own auto insurance policy and can be subject to policy limits, terms, and conditions that affect recoverable amounts. The insurer will review the accident, confirm policy applicability, and require documentation of injuries and expenses. Understanding the interplay between your policy, the other driver’s coverage, and state rules is essential to protect potential recovery and to avoid procedural missteps that could limit compensation.

Filing a UM or UIM claim usually begins with timely notice to your insurer and submission of medical records, bills, and proof of lost income. Insurers may request recorded statements or evaluations, and claimants should respond carefully to avoid undermining their positions. If negotiations do not produce a fair result, claimants may pursue formal dispute resolution within policy frameworks or consider civil litigation where appropriate. Throughout this process it is important to track medical treatment, maintain clear records of out-of-pocket costs, and follow provider recommendations to demonstrate the extent and impact of injuries on daily life and work.

Need More Information?

Key Terms You Should Know

Uninsured Motorist (UM)

Uninsured motorist coverage provides protection when an at-fault driver carries no liability insurance and cannot pay for harm caused by a crash. In that situation, your UM coverage can step in to cover medical expenses, lost wages, and other compensable injuries up to the limits of your policy. Filing a UM claim typically requires proof of the accident, confirmation that the other driver lacked insurance, and documentation of injury-related costs. Insurers will investigate the circumstances and evaluate policy language before paying, so careful documentation and prompt notice help preserve your right to compensation.

Underinsured Motorist (UIM)

Underinsured motorist coverage applies when the at-fault driver has some liability insurance but not enough to cover the full extent of your damages. UIM coverage can bridge the difference between the at-fault driver’s policy limits and your actual economic and noneconomic losses. To pursue a UIM claim, you must show that the other driver’s coverage is insufficient and provide clear records of your medical treatment, expenses, and work interruption. Policy terms, deductibles, and stacking rules may affect recovery, so understanding your own policy provisions is essential for accurate expectations and effective claim handling.

Policy Limits and Liability Limits

Policy limits refer to the maximum amount an insurance policy will pay for a covered claim, and liability limits describe the ceiling on the at-fault driver’s insurer for bodily injury or property damage. If the at-fault driver’s liability limit is lower than the claimant’s losses, UM or UIM coverage may provide additional recovery up to the limits of the claimant’s own policy. Determining available recovery means reviewing all relevant policies, limits, and any endorsements that alter coverage. Understanding limits early helps shape realistic settlement goals and strategic decisions about negotiations or potential litigation.

Stacking and How It Works

Stacking refers to combining coverage limits from multiple vehicles or policies to increase available protection under certain circumstances, though stacking rules vary by policy language and state law. In some cases, a policyholder may be able to combine limits from more than one vehicle on the same policy or combine personal and household policies, which can significantly expand recovery potential after a serious crash. Insurers may restrict stacking through endorsements, so review policy documents to determine whether stacking applies. Properly assessing stacking options can change the financial landscape of a claim and influence negotiation strategy.

PRO TIPS

Document the Scene and Evidence

After a crash, gather and preserve as much evidence as possible: take photographs of vehicle damage, visible injuries, and the surrounding area, and collect names and contact information for witnesses. Write down your own recollection of what happened while details are fresh and keep copies of any police reports or incident numbers. Maintaining clear, dated records and photographs helps support injury claims and provides a reliable factual foundation for discussions with insurers or other parties involved in resolving your case.

Notify Your Insurer Promptly

Provide timely notice to your own insurance company as required under your policy, explaining the accident and the possibility of a UM or UIM claim, and ask for guidance on required documentation and deadlines. Be careful with recorded statements and confirm what materials you should submit; insurers commonly request medical records, bills, and written statements to evaluate a claim. Prompt communication preserves your coverage rights, reduces procedural disputes, and allows the insurer to begin the investigation necessary for a fair assessment of damages and liability.

Preserve Medical Records and Bills

Keep complete records of all medical treatment, including emergency care, follow-up visits, physical therapy, diagnostic testing, and prescriptions, and request itemized bills and treatment summaries from providers. Document any work restrictions, lost wages, and out-of-pocket expenses related to the injury so you can demonstrate economic impact and support claims for compensation. Consistent documentation of treatment progress and medical recommendations strengthens your claim by connecting injuries to the crash and establishing the need for ongoing care or rehabilitation.

Comparing Approaches to UM and UIM Claims

When a Full Claim Approach Helps:

Serious Injuries and Long-Term Care

A full claim approach is often advisable when injuries are severe or when ongoing medical treatment and long-term care are likely, because full evaluations and thorough documentation are necessary to establish long-term needs and future costs. Gathering comprehensive medical records, expert medical opinions, and detailed economic loss calculations can be time consuming but is important to show the full extent of damages. In these situations, taking a thorough approach can help ensure that settlement or recovery reflects both current treatment and anticipated future needs, reducing the risk of insufficient compensation down the road.

Multiple Insurers or Disputes

When several insurers, overlapping policies, or disputes about liability are involved, a comprehensive approach helps sort out coverage issues, coordinate claims, and identify the most advantageous avenues for recovery. Reviewing all applicable policies and communicating with multiple carriers requires careful attention to notice requirements and policy provisions that may affect deadlines or benefits. A deliberate, documented strategy reduces the chance that coverage opportunities will be missed and can resolve complex interactions between insurers more effectively than piecemeal efforts.

When a Narrow Claim Strategy Works:

Minor Property Damage

A limited approach may be appropriate when injuries are minor and treatment is brief, or when the primary issue is property repair rather than significant medical care, because the documentation required to resolve such claims tends to be more straightforward. In these cases a focused submission of repair estimates, photos, and a short medical summary can suffice to close the matter efficiently. Choosing a narrower path can reduce time and expense when losses are modest and liability is clear, while still preserving recovery for straightforward damages.

Clear Liability, Quick Settlement

When fault is clear and the available coverage matches the losses, a targeted negotiation with the insurer can produce a prompt settlement without extensive discovery or litigation. Providing concise documentation of medical expenses, invoices, and a brief explanation of lost time at work can often lead to swift resolution. This streamlined approach can be efficient for claimants who prefer a quicker outcome and accept a settlement that fairly compensates demonstrable economic losses and modest pain and suffering.

Common Scenarios That Lead to UM or UIM Claims

Hit-and-Run Accidents

When a driver flees the scene and cannot be identified, uninsured motorist coverage is often the primary route for recovery, provided your policy includes UM protection and you follow policy notice requirements and investigative steps. Documenting the scene, obtaining any available surveillance or witness information, and promptly notifying your insurer will support a UM claim and help demonstrate that the other driver was not identified or insured.

At-Fault Driver Without Insurance

If the at-fault driver has no liability insurance, UM coverage under your own policy can pay for medical care and related losses up to your policy limits, subject to policy terms and required evidence. Timely reporting, medical documentation, and consistent records are essential to establish the connection between the crash and your injuries and to maximize the likelihood of fair UM recovery.

Underinsured Driver with Insufficient Coverage

When the at-fault driver’s policy limit is below the total of your medical bills and lost income, UIM coverage may fill the gap between the other driver’s limits and your actual damages, depending on your policy provisions. Carefully itemizing expenses and presenting a clear account of ongoing treatment and financial impact helps show why additional recovery under UIM is warranted.

UM and UIM Claim Assistance in Chester, WV

Why Choose Stephen New & Associates for Your UM/UIM Claim

Stephen New & Associates represents people injured in motor vehicle collisions across West Virginia, including residents of Chester and Hancock County. Our firm focuses on guiding clients through insurance processes, preserving important deadlines, and assembling medical and financial documentation needed to support UM and UIM claims. We prioritize clear communication about policy options, potential recovery paths, and realistic timelines so clients can make informed decisions during a stressful period. If you are facing coverage shortfalls after a crash, we can review your policies, help you provide required notice, and outline steps to pursue the most appropriate claim.

We assist clients by coordinating with medical providers for records, organizing bills and receipts, and explaining how UM and UIM provisions apply to individual situations. Understanding policy language, potential offsets, and settlement negotiation techniques matters when coverage is limited, and we aim to protect claimants’ interests while pursuing fair compensation. Our office handles communication with insurers and advocates for thorough consideration of medical needs and economic losses so that claimants can focus on recovery and return to daily life with less financial uncertainty.

Contact Our Team About Your UM or UIM Claim

People Also Search For

UM UIM claims Chester WV

uninsured motorist claim Chester

underinsured motorist West Virginia

Chester UM UIM insurance claim

auto insurance claims Hancock County

UM coverage West Virginia law

file UIM claim Chester WV

personal injury UM UIM guidance

Related Services

FAQS

What is the difference between uninsured and underinsured motorist coverage?

Uninsured motorist coverage applies when the driver who caused the collision carries no liability insurance, providing compensation to cover medical costs, lost wages, and related losses up to your policy limits. Underinsured motorist coverage applies when the at-fault driver has liability insurance but the available limits are insufficient to pay the full amount of your damages. Both coverages are designed to protect insured individuals from the financial consequences of another driver’s lack of adequate insurance. The practical difference for claimants is how recovery is pursued: a UM claim focuses on proving the other driver was uninsured or unable to pay, while a UIM claim demonstrates the other driver’s liability limits fall short of the claimant’s damages. Both require timely notice, medical documentation, and a clear record of economic losses. Policy language and state rules may affect whether stacking or offsets apply, so reviewing your policy early in the process is important.

How do I know if my policy includes UM or UIM coverage?

Your declaration page, policy packet, or insurance agent can confirm whether you carry UM or UIM coverage and the applicable limits. Many auto policies include UM/UIM options by default or offer them as optional coverages, and limits will be listed on the declarations page under separate headings for uninsured and underinsured motorist coverage. If you cannot find the information, contact your insurer and request a copy of the full policy wording and declarations page to verify coverage and any endorsements that affect applicability. Understanding whether you have UM or UIM and the limits involved is critical because those details determine the potential recovery and how claims should be presented. Policy endorsements, exclusions, and state-mandated offerings can alter coverage, so it is advisable to obtain written confirmation from the insurer and retain copies of relevant documents for any claim file. Early verification prevents missed deadlines and ensures you provide the insurer with required notice if a claim arises.

What should I do immediately after a crash to protect a UM or UIM claim?

Immediately after a crash, seek medical attention for any injuries and follow the treatment plan recommended by providers; health and safety come first and medical documentation is essential for a UM or UIM claim. Collect as much information at the scene as possible, including photos of damage and injuries, witness names and contact information, and any police report details. Prompt notice to your insurer as required by your policy is also an important step, along with keeping thorough records of all medical visits, bills, and correspondence related to the accident. Preserving evidence and maintaining clear communications increases the likelihood that a UM or UIM claim will be evaluated fairly. Avoid giving extensive recorded statements without prior guidance, and be careful when discussing fault or injuries on social media. Taking these protective steps while focusing on recovery helps ensure you have the documentation and factual support needed to substantiate damages and pursue available insurance benefits.

Can I recover both my own policy limits and the at-fault driver’s limits?

Whether you can recover both the at-fault driver’s policy limits and benefits under your own UM or UIM coverage depends on the circumstances and policy provisions; in many situations you may pursue the at-fault driver’s liability policy first and then seek additional recovery under your UM or UIM coverage if the liability limits are insufficient. Coordination between claims requires careful handling to avoid offsets, subrogation issues, or contractual reductions that could limit the total available recovery. Policy language and state law determine how recoveries are applied and whether insurers can reduce UM or UIM payments by amounts obtained from other sources. When multiple sources of recovery exist, claimants should document all payments and settlements and understand any release language that could affect remaining claims. Consulting about how proposed settlements or partial payments will impact UM or UIM rights can prevent unintended waivers and ensure that any acceptance of funds does not close off additional recovery avenues before a full evaluation of damages has been completed.

How long do I have to file a UM or UIM claim in West Virginia?

Time limits for filing claims in West Virginia include both policy notice requirements and statutory deadlines for bringing civil actions; the specifics can vary depending on the policy terms and the type of claim. Most insurance policies require prompt notice of a claim and cooperation with investigations, and failing to meet those contractual duties may jeopardize coverage. The state statute of limitations for personal injury claims typically governs litigation timelines, making timely action important if negotiations with insurers do not resolve the claim. Because notice obligations and legal deadlines differ by policy and circumstance, it is advisable to review your policy as soon as possible after an accident and confirm applicable deadlines with the insurer or legal counsel. Early review helps ensure you meet contractual obligations, preserve evidence, and make informed decisions about pursuing settlement negotiations or filing suit before statutory periods expire.

Will my insurer automatically pay my medical bills under UM or UIM coverage?

Insurers do not always automatically pay medical bills under UM or UIM coverage; they will evaluate whether the policy applies, review medical records to confirm treatment relates to the covered accident, and investigate liability and the extent of damages before authorizing payment. Timely submission of itemized medical bills, provider notes, and treatment summaries helps expedite consideration, but carriers may still request additional documentation or question certain charges, requiring claimants to respond and clarify treatment necessity and reasonableness. If the insurer disputes coverage or the reasonableness of expenses, claimants may need to provide further medical evidence, bills, or testimonies that connect care to the accident. Keeping precise medical records and invoices, obtaining treatment summaries, and tracking ongoing costs strengthens the claim and reduces friction in securing payments under UM or UIM benefits.

What documentation do insurers typically request for UM or UIM claims?

Insurers commonly request medical records and bills, a description of the accident, proof of lost wages, police reports, photographs of injuries and vehicle damage, and contact information for witnesses. They may also ask for authorization to obtain medical records and for statements regarding treatment, symptoms, and how the injury has affected daily life. Comprehensive, organized documentation showing the timeline of care, providers involved, and the economic impact on work and household activities supports evaluation of the claim and substantiates damage calculations. Additional documentation might include employer verification of time missed from work, receipts for out-of-pocket expenses related to treatment, and notes about ongoing functional limitations. Providing clear, chronological documentation and responding promptly to reasonable requests helps keep the claim moving and reduces disputes about the scope or causation of injuries, which in turn makes settlement negotiations more productive.

Can stacking increase the amount I can recover under UM or UIM coverage?

Stacking can increase the amount available for UM or UIM recovery by combining coverage limits from multiple vehicles or policies under certain conditions, though whether stacking applies depends on policy language and state regulations. Some policies permit stacking by default while others include endorsements that limit or prohibit it; therefore, determining stacking potential requires a careful review of your declarations page and any applicable endorsements. When stacking is allowed, combining limits may significantly raise potential compensation, particularly where injuries are severe and single-policy limits are insufficient. Because stacking rules vary and can be affected by prior waivers or signed election forms, it is important to confirm with your insurer or legal advisor whether stacking is allowed on your policy. Understanding stacking early in the claims process helps you set realistic recovery expectations and informs negotiation strategies when multiple vehicles or policy layers could be tapped for compensation.

Will accepting a settlement from the at-fault driver affect my UM or UIM claim?

Accepting a settlement from the at-fault driver or their insurer can affect your ability to pursue additional benefits under UM or UIM coverage, depending on the terms of releases and how settlement proceeds are allocated. A full release of all claims against a party may bar future recovery from that party and could impact subrogation or offset calculations with your own insurer, so it is essential to understand how any agreement interacts with your UM or UIM rights before signing. Carefully review settlement documents and consider whether accepting a partial payment will reduce or eliminate other recovery options. Before finalizing any settlement, ensure the agreement explicitly states what claims are released and consult about potential effects on UM or UIM claims. If there is uncertainty, obtaining a clear written explanation about offsets, credits, and the legal effect of a release will prevent unintended forfeiture of additional available coverage and help you make an informed decision about whether to accept an offered settlement.

What if the at-fault driver cannot be located after a hit-and-run?

If the at-fault driver cannot be located after a hit-and-run, uninsured motorist coverage under your own policy is often the primary avenue for compensation, provided your policy includes UM coverage and you meet notice and documentation requirements. Promptly report the incident to local law enforcement, obtain an accident or incident report, document any witness accounts or surveillance information, and notify your insurer as required by policy terms. Demonstrating that the other driver could not be identified or insured supports a UM claim. Insurers will investigate hit-and-run claims and may request evidence such as police reports, witness statements, and photos from the scene. Pursuing all available documentation quickly increases the likelihood that a UM claim will be accepted and that you will receive compensation for medical costs and related losses when the responsible driver cannot be found or held to account.

All Services in

Explore our complete legal services