Uninsured Motorist Coverage In Rhode Island
If you add uninsured motorist coverage to your car insurance policy, it can cover your damages if you’re in a hit-and-run accident, struck as a pedestrian or bicyclist, or in a crash with an uninsured or underinsured motorist. Our Rhode Island car accident lawyers can help you recover the compensation you deserve.
Is UM/UIM Coverage Required In Rhode Island?
Insurance companies in Rhode Island are legally required to offer uninsured motorist coverage to consumers. You have the right to decline the added protection, but you must waive the coverage in writing.
Pursuing Compensation In An Uninsured Motorist Claim
Since you bought the uninsured motorist coverage, you’ll need to file a claim with your insurance company after a car accident with an uninsured driver. This is known as a “first party” claim.
First, you’ll let your insurance company know that you’ve been in a car accident and explain that the responsible driver didn’t have insurance (or enough insurance) to cover your damages.
Once you’ve notified your insurer, your Rhode Island car accident lawyer will begin to put together a demand letter. This is essentially an explanation of what happened supported by facts and evidence, along with a specific demand for compensation. You want your demand letter to be as strong as possible – it might be your policy, but your insurance company still won’t want to pay.
To support your claim, your lawyer will include important pieces of evidence, which might include:
The stronger your demand, the more likely you’ll be able to recover the uninsured motorist or underinsured motorist benefits you deserve.
If the insurance company refuses to pay, your car accident lawyer in Rhode Island can file a lawsuit and bring them to court.
Steps To Take If You've Been Hurt In An Accident With An Uninsured Driver
Believe it or not, the steps you take immediately after an accident with an uninsured driver are really important. They can affect your long-term health and impact your claim for damages.
Time Limit To File A Claim For Uninsured Or Underinsured Motorist Benefits In Rhode Island
You will have:
- Three years to file a claim for bodily injury
- Ten years to file a claim for property damage
Once the statute of limitations expires, you will lose the opportunity to file a claim and recover your uninsured motorist benefits.
How Can Marasco & Nesselbrush Help You Recover Uninsured Motorist Coverage Benefits?
Even though they’re your insurance benefits, your insurance company won’t be eager to approve your claim and pay what you need. Insurance adjusters will rely on tried-and-true strategies designed to get you to accept way less than what you deserve or, worse, nothing at all.
Level the playing field by putting the Rhode Island personal injury lawyers at BRAND in your corner. For more than 20 years, we’ve been leading advocates for crash victims and grieving families in Rhode Island. We’ve won over $100 million in benefits, settlements, and verdicts on their behalf. We’re not afraid to stand up to insurance companies, corporations, and negligent drivers to get our clients the results they deserve, and it shows.
Let us take on your insurance company and seek damages from anyone who might be responsible for your Rhode Island car accident. We offer a free case evaluation and work on contingency, which means there’s no risk in asking for our help. You pay only if we win your case and recover uninsured motorist benefits or other damages on your behalf.