Underinsured Motorist Hit Me While Merging

If you were hit by another car while merging, you have suffered damages. Merging accidents are quite common. Often, these kinds of crashes lead to serious injuries and severe damages. Always stay on the scene of the accident and call the police. It is important to file an accident report, so you can make sure that the accident was properly documented. You will want to make sure all damages and injuries are noted in the accident report.

If you are physically able to do so, get photos of the accident scene. Get photos of the damages and visible injuries. Ask witnesses to provide statements and get witness names and contact details. Documentation is essential to the success of your personal injury claim. You will want to show that the other driver was negligent, and that negligence cause the crash that resulted in your damages. Be sure to establish medical care right away, so you can show the connection between your injuries and the merging accident. Delaying care can make it harder to prove that you suffered the injuries in the auto accident in question.

Insurance Coverage

While drivers are required by law to maintain insurance coverage, they often have minimal coverage. As an example, a driver could be in a state that requires 15/25/10. That means that the insurance will pay up to $15,000 per person for bodily injury and up to $25,000 maximum for bodily injury per crash. The policy will pay up to $10,000 for property damages, such as damages to the vehicle. Because that is a low coverage amount, the policy could easily max out. In that case, you will have more damages than the policy will cover.

In that case, you will need to notify your auto insurance that you want to file a claim through your uninsured/underinsured motorist coverage. You will most likely have enough coverage to finish paying your damages unless you have extensive damages or life-altering injuries. You will want to maintain thorough documentation to show the damages that you sustained in the accident. Here are some documents that can help you get your claim on track:

  • Accident report
  • Photos of the accident scene
  • Photos of the damages
  • Medical bills
  • Medical records
  • Witness statements
  • Repair estimates
  • Proof of missed work and lost wages
  • Tow bills
  • Rental car receipts

 Underinsured Motorist Hit Me While Merging

Consult With A Personal Injury Lawyer

If you have been injured in an accident where an underinsured motorist hit you while merging, consult with a personal injury lawyer who practices in your state. With an attorney, you are much more likely to recover a fair settlement to cover your damages. personal injury lawyers work on the contingency basis, which means your attorney will not get paid until you recover compensation for your damages. You will not have to pay a retainer upfront. There is a statute of limitations for pursuing a personal injury claim, so schedule your free case evaluation today so you can make sure your claim is on the right track.

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