What To Do After an Accident with an Uninsured Driver
The Delaware Division of Motor Vehicles states that all vehicles registered in the state must have the minimum liability insurance coverage limits of $25,000 for bodily injury to one person in an accident, $50,000 for physical harm to two or more persons in a single accident, and $10,000 for property damage. Uninsured and underinsured motorist coverage is typically offered but is not mandatory.
Accidents involving uninsured or underinsured drivers can quickly become very complicated for most people. Even individuals who have uninsured and underinsured motorist coverage can encounter problems dealing with their own insurance companies.
In such cases, you should quickly contact Edelstein Martin & Nelson, LLP. Our firm has experience handling many different types of car accidents, and we will work to make sure that you receive all of the compensation you are entitled to.
Call (302) 295-5050 to have our attorneys review your case and answer all of your legal questions during a free consultation.
Common Issues with Uninsured and Underinsured Motorist Claims
Title 18 Delaware Code § 3902 is the state law establishing uninsured and underinsured vehicle coverage in Delaware. Under this law, uninsured or underinsured coverage cannot be required when it is rejected in writing.
The law also states that the amount of coverage provided cannot be less than the minimum limits already required under state law. This provision is essential because one of the most common issues drivers face is damages exceeding limits.
In some cases, people can avoid these types of issues by “stacking” their coverage, a process that raises the potential amount of coverage for a driver. Drivers who forgo uninsured or underinsured motorist coverage are not able to file similar claims with their insurance companies, but they may be able to file lawsuits against the negligent drivers—although such actions are not always beneficial as people who cannot afford auto insurance rarely have the resources necessary to pay any judgments.
For most drivers in Delaware, the added costs associated with uninsured or underinsured motorist coverage are relatively low. Without this coverage, victims may still have medical bills covered by their health care insurance provider and traditional liability coverage should still cover property damage (minus your deductible, of course).
Motorists who are involved in accidents with uninsured or underinsured drivers should still avoid speaking to any insurance company—including their own—until they have legal representation. With an uninsured or underinsured motorist claim, even your own insurance company will try to find any way possible to assign blame to you and, thus, reduce your award.
Find an Uninsured Motorist Accident Lawyer in Delaware
If you or your loved one suffered severe injuries in a car accident caused by an uninsured or underinsured driver in Delaware, do not delay in contacting Edelstein Martin & Nelson, LLP. Our firm can deal with insurers on your behalf and make sure that you receive every last dime of compensation that you need and deserve.
Our attorneys can provide a complete evaluation of your case as soon as you call (302) 295-5050 or contact us online today to schedule a free consultation.