In a normal car accident, the two parties get out of their cars and exchange insurance information. When one party is uninsured, however - or drives away in a panic because of lack of insurance - the injured party has a real problem:
Who pays for medical treatment and other expenses when the negligent party doesn't have insurance?
And a related problem: Who pays when the medical costs exceed the coverage in the negligent driver's policy?
Uninsured and underinsured motorists cause serious problems in every state, but these problems are especially common in New Hampshire, where insurance liability is not required by law. Here, if drivers comply with alternative responsibility requirements, they don't need to carry a dime's worth of injury coverage.
The solution, of course, is that the injured party files a claim with his or her own insurance company. New Hampshire requires that all auto insurance policies include UM and UIM (uninsured and underinsured motorist) protection. This way, your own insurance company compensates you for medical costs, time away from work, and pain and suffering engendered by the accident.
Is everything then resolved? No. Your insurance company is in no greater hurry to pay you, a policyholder, than it is to pay a stranger. They will play the same tricks on you they play on others: deny you were injured, claim you are faking and offer you a dime on the dollar as token compensation. This is your own insurance company - that you've been paying premiums to for years - calling you a liar!
That's when you need a good lawyer, someone able to call your insurance company on these games. That's when you need The Law Offices of Stephen C. Brown & Associates in Rochester, New Hampshire. We've been faithfully serving this area since 1991, and we can serve you, too.
Call our attorneys at 603-332-3535 or email us a brief description of your injuries.