Auburn Uninsured & Underinsured Motorist Claim Attorney

Protecting Your Rights After an Accident with an Uninsured or Underinsured Driver

Being involved in a car accident is a stressful and overwhelming experience, but the situation becomes even more complicated when the at-fault driver lacks adequate insurance coverage. If you’ve been injured in an accident with an uninsured or underinsured motorist, you may be wondering how you will recover compensation for your medical expenses, lost wages, and other damages. At Mike Slocumb Law Firm, we are dedicated to helping accident victims in Auburn, AL, navigate the complexities of uninsured and underinsured motorist claims.

Contact Mike Slocumb Law Firm at (334) 219-3906 today for expert guidance on your uninsured motorist claim in Auburn, AL.

What Is Uninsured Motorist Coverage?

Uninsured motorist (UM) coverage is an optional addition to your auto insurance policy that provides financial protection if you are hit by a driver who does not have insurance. This type of coverage helps you recover compensation for:

• Medical expenses
• Lost wages
• Pain and suffering
• Other accident-related losses

Many drivers in Alabama operate vehicles without the required insurance, leaving innocent victims without a clear path to compensation. Having uninsured motorist coverage ensures that you are not left bearing the financial burden of an accident caused by someone else’s negligence.

What Is Underinsured Motorist Coverage?

Underinsured motorist (UIM) coverage applies when the at-fault driver has insurance, but their policy limits are too low to fully cover your losses. Alabama requires drivers to carry a minimum of $25,000 in liability coverage, which may not be sufficient to cover medical bills and other damages in a severe accident.

Underinsured motorist coverage helps bridge this gap by allowing you to seek additional compensation from your own insurance policy when the other driver’s coverage is inadequate.

How Do Uninsured and Underinsured Motorist Claims Work?

Uninsured and underinsured motorist coverage works similarly to traditional liability insurance, but instead of seeking compensation from the at-fault driver’s insurer, you file a claim with your own insurance company. While this coverage is designed to protect policyholders, insurance companies often attempt to minimize or deny valid claims to save money.

If your insurer undervalues or refuses to pay your UM or UIM claim, it is crucial to have an experienced attorney on your side. Mike Slocumb Law Firm has extensive experience handling these claims and can ensure that your rights are protected every step of the way.

How an Attorney Can Help with Your UM/UIM Claim

When dealing with an uninsured or underinsured motorist claim, you need a legal advocate who understands the tactics insurance companies use to limit payouts. Our team can assist you in several ways:

Investigating the Accident

To successfully recover compensation, you must prove that the uninsured or underinsured driver was at fault. Our firm conducts a thorough investigation by:

• Obtaining police reports
• Collecting witness statements
• Reviewing traffic camera footage
• Examining vehicle damage

This evidence strengthens your claim and prevents the insurance company from unfairly denying or reducing your payout.

Calculating the Full Value of Your Claim

Many insurance companies attempt to downplay the value of your claim. We work to ensure that all of your losses—both economic and non-economic—are accurately calculated, including:

• Medical bills (past and future)
• Rehabilitation costs
• Lost wages and future earning potential
• Pain and suffering
• Emotional distress

Our attorneys work with medical professionals and financial experts to determine the true extent of your damages, ensuring you receive the compensation you deserve.

Negotiating with Insurance Companies

Insurance companies often delay, deny, or underpay UM and UIM claims. Our attorneys are skilled negotiators who know how to challenge these tactics and push for a fair settlement. If the insurance company refuses to offer a reasonable payout, we are fully prepared to take your case to court.

What to Do After an Accident with an Uninsured or Underinsured Motorist

If you have been involved in an accident with an uninsured or underinsured driver, follow these steps to protect your rights and strengthen your claim:

1. Call the Police – A police report provides crucial evidence regarding fault and accident details.
2. Seek Medical Attention – Even if you feel fine, some injuries take time to develop. Seeing a doctor ensures proper documentation of your injuries.
3. Exchange Information – If the at-fault driver has insurance, obtain their policy details. If they are uninsured, notify your insurer immediately.
4. Take Photos and Gather Evidence – Document the accident scene, vehicle damage, road conditions, and any visible injuries.
5. Speak with Witnesses – Obtain contact information for anyone who saw the accident occur.
6. Notify Your Insurance Company – Report the accident to your insurer as soon as possible, but avoid giving recorded statements without legal representation.
7. Consult an Attorney – Before accepting any settlement offers, speak with an experienced uninsured motorist attorney who can evaluate your claim and protect your interests.

Why Choose Mike Slocumb Law Firm?

At Mike Slocumb Law Firm, we are committed to fighting for the rights of accident victims in Auburn, AL. When you work with us, you benefit from:

• Experienced Legal Representation: Our team has handled countless UM and UIM claims, securing substantial settlements for our clients.
• Aggressive Advocacy: We don’t back down from insurance companies and will take your case to trial if necessary.
• Personalized Attention: We understand that every case is unique, and we tailor our approach to meet your specific needs.
• No Fees Unless We Win: You don’t pay us unless we secure compensation for you.

Contact Us for a Free Consultation

If you or a loved one has been injured in an accident involving an uninsured or underinsured motorist, don’t face the insurance companies alone. Mike Slocumb Law Firm is here to fight for your right to fair compensation.

Call (334) 219-3906 or fill out our online contact form to schedule a free consultation today.