I’ve been involved in an accident, but I’m unsure if I should file a Virginia or Maryland uninsured motorist claim—what should I do?

Motor vehicle accidents typically have a very high cost associated with them—even relatively minor accidents—including medical bills, repairs to your vehicle, and any other property damage incurred.

If you are lucky, the other driver involved in your accident has sufficient auto insurance coverage to ensure that whatever costs that driver’s negligence caused, you are covered. Unfortunately, many drivers are underinsured—or even uninsured—and suddenly, your expenses look like they may not be covered.

Luckily, if you have planned ahead, you are covered by your own policy. The Uninsured and Underinsured Motorist coverage you carry can often foot the bill for damage caused by another driver who is not properly covered. If the other driver has liability coverage, but only up to a limited amount that does not match the amount of damage that he or she caused to you, your policy will likely make up the difference between what the other driver can pay and what your damage total is.

Another situation in which you should call upon your Uninsured Motorist coverage is if the other driver involved in your accident does not have auto insurance. This can cover your medical expenses, loss of earnings, damage to your vehicle, and other related expenses or suffering. Sometimes, Uninsured Motorist coverage can also cover certain expenses incurred in a hit-and-run accident.

Because filing an uninsured car accident claim in Virginia, Washington, D.C., or Maryland means that you are up against your own insurance company, it can often be very difficult to recover the compensation that you deserve. If you are contemplating filing, contact the Washington, D.C. uninsured car accident claim attorneys at Lewis & Tompkins today to learn how they can help you get the compensation you deserve. Call 202.296.0666 now for a free consultation.

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