Westfield Uninsured Motorist Car Accident Lawyer

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Few things are worse than being involved in a car accident. Even the most minor of traffic accidents can severely disrupt your day. More severe ones can cause serious injuries and property destruction that add emotional and financial burdens to your physical suffering.

Then you find out that the driver who caused your accident is uninsured. Now, things seem much bleaker as you add feelings of helplessness, uncertainty, and anger to the physical and emotional burdens you are already facing. Suddenly, your accident seems that much worse.

Fortunately, Vaughn A. Wamsley is an experienced car accident lawyer in Westfield who can help you navigate the legal challenges of dealing with an uninsured motorist. Our team is committed to ensuring our clients receive the compensation they deserve so they can move on with their lives.

Understanding Uninsured Motorist Coverage in Indiana

Indiana law requires all drivers to carry liability insurance to cover damages they may cause in an accident. The minimum cover amounts are:

  • $25,000 for bodily injury or death per person
  • $50,000 for bodily injury or death per accident
  • $25,00 for property damage

Unfortunately, not all drivers carry the required amount of insurance or insurance coverage. According to the Insurance Research Council, nearly 17 percent of all drivers in Indiana are uninsured motorists, ranking Indiana 14th in the United States for uninsured motorists.

This data highlights the importance of having uninsured motorist coverage (UM), which helps protect you in an accident caused by a driver without insurance.

Indiana drivers automatically have uninsured motorist coverage (UM) in their automobile insurance policy unless they explicitly decline it in writing. UM coverage helps to pay for medical expenses, lost wages, and other damages in an accident caused by an uninsured driver.

As Westfield’s leading uninsured motorist car accident attorney, Vaughn A. Wamsley helps victims understand their options when pursuing compensation for damages caused by a driver without insurance.

Common Scenarios Involving Uninsured Motorists

We have seen far too many uninsured motorist accidents occur on the streets of Westfield and want to do our part to protect innocent victims in these cases. We strive to uphold the law by pursuing maximum compensation for our clients, and holding uninsured motorists accountable for their actions.

We have seen some common scenarios repeatedly play out with uninsured motorists, such as:

  • A hit-and-run driver flees the accident scene and is never identified
  • A driver who admits fault but has no valid insurance policy
  • A driver whose insurance policy was canceled or lapsed due to nonpayment

If you find yourself in one of these scenarios, you can rest assured knowing that the experienced team at Vaughn A. Wamsley is ready to assist you. We will thoroughly investigate the circumstances of your accident and pursue all leads to hold the uninsured motorist who caused your accident accountable.

Just as important, we help you identify all the potential sources of compensation and fight for the best possible outcome.

Indiana Laws for Uninsured Motorist Accidents

Indiana recognizes the harm caused by uninsured motorists in automobile accidents. The state has enacted several laws to prevent these incidents, protect victims, and provide a legal framework for compensation.

Relevant Indiana laws include:

  • Insurance Mandate: All motorists must have adequate coverage for personal injury, death, and property damage at assigned levels. Unfortunately, not all drivers follow this law.
  • Uninsured Motorist Coverage: All automobile insurance policies issued in Indiana include coverage for accidents with uninsured motorists. This part of the policy can only be waived via written agreement.
  • Damages Available: Accident victims may pursue compensation for injuries and damages caused by an uninsured driver, including medical expenses, lost wages, pain and suffering, and property damage.
  • Statute of Limitations: Indiana requires most personal injury claims to be filed within two years of the date of the accident. This deadline underscores the importance of contacting a car accident lawyer near me as soon as possible following a crash involving an uninsured motorist.

At Vaughn A. Wamsley, we are driven to achieve the best results possible on behalf of our clients. We pursue maximum compensation to ensure that you are appropriately compensated for the damages you suffer due to the negligence of others.

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What to Do After an Accident With an Uninsured Driver

The moments following an automobile accident are challenging to navigate, particularly if the other driver flees the scene or if you find out they do not have insurance. Maintaining your composure and knowing what to do will go a long way to helping position your legal case for success.

After an accident, be sure to:

  1. Call 911: First responders can treat injuries, while police officers will gather evidence and file an accident report.
  2. Seek Medical Attention: A medical professional can assess your injuries, diagnosing both apparent and non-apparent injuries. They will also document your condition following the accident.
  3. Document the Scene: Take pictures of the accident scene, any visible injuries, and damage to your vehicle and other property.
  4. Collect Contact Information: Get the names and contact information of anyone involved in the accident, eyewitnesses, and first responders.
  5. Keep Records: Keep copies of all documents related to your accident and any financial documents and communications related to the rash.
  6. Notify Your Insurer: Contact your insurance company to inform them about the accident and provide all necessary information.
  7. Contact an Uninsured Motorist Accident Attorney: As the Westfield uninsured motorist car accident lawyer of choice, Vaughn A. Wamsley will provide valuable guidance to help you understand your legal options following a car crash.

As you attempt to recover from the physical and emotional suffering brought on by an accident with an uninsured motorist, you’ll want an experienced legal advocate by your side to help you navigate the challenges that come with these cases. Vaughn A. Wamsley is ready to fight for justice on your behalf.

How We Handle Uninsured Motorist Claims

Uninsured motorist claims present numerous challenges. Fortunately, the experienced team at Vaughn A. Wamsley has developed a meticulous process to build a strong case on your behalf, backed by an outstanding track record of achieving favorable outcomes for our clients.

Our process includes:

  1. Reviewing Your Insurance Policy: We carefully review your automobile insurance policy to determine the extent of your uninsured motorist coverage and any other applicable benefits.
  2. Gathering Evidence: We painstakingly examine all relevant evidence, including police reports, witness statements, and medical records, to establish liability and document your damages.
  3. Communicating with Insurers: We leverage our experience dealing with insurance companies to protect your rights and ensure your claim is fairly evaluated under your policy.
  4. Negotiating a Settlement: Based on our findings, we strive to negotiate a fair settlement that adequately covers all your damages. While our evidence-gathering positions us for negotiation success, we will not settle if the agreement is unacceptable to you.
  5. Litigation, If Necessary: We will be fully prepared to take your claim to court if negotiations fail to produce a fair settlement. We have an outstanding record of achieving favorable rulings on behalf of our clients.

As the top-rated car accident lawyer in Westfield, we understand the challenges that victims face following an accident caused by an uninsured motorist. We strive to ease these burdens, allowing victims to focus on their recovery and know their case is handled by the best in the business.

How Vaughn A. Wamsley Can Help You

Vaughn A. Wamsley offers personalized and compassionate legal support for accident victims. We treat everyone who walks through our doors as a family member, taking the time to get to know them and understand how the accident impacted their lives.

We investigate every aspect of your case and fiercely advocate for justice. Armed with compelling cases and backed by experienced and knowledgeable attornies with extensive resources, we are fully equipped to help you achieve the justice and compensation you deserve.

Our team is always available to answer any questions and will keep you updated at every step. You can know exactly where your claim stands and what to expect next. You can be confident that we will help you achieve a favorable outcome.

If you or a loved one has been involved in an accident with an uninsured motorist, don’t try to go at it alone. Call us today for a free consultation to learn how we can assist you.

Why You Should Choose Vaughn Wamsley Law Firm.

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  • $100 Million Won for Clients. And Counting.
  • 10,000 Accident Victims Helped.
  • A Top Indiana Law Firm.
  • Track Record of Winning.
  • You Don’t Pay Unless We Win.
  • 30 Years Experience.
  • Vaughn Was Injured Too. He Knows What You’re Going Through.

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