Being involved in a car accident of any kind in Minneapolis is difficult enough; if you discover that the other driver involved is unlawfully driving without insurance, this can make matters worse. You may not know where to turn for financial compensation for your medical costs and property repairs.
At Goldenberg Lauricella, PLLC, our local Minneapolis car accident attorneys can help you fight for your rights as we seek fair financial compensation for your uninsured motorist accident. We are here to give you the most peace of mind possible during the legal process, with tailored legal services from start to settlement. Contact us today for a free consultation with our experienced team of Minneapolis uninsured motorist accident lawyers.
Why Choose Us?
- We have been helping injured car accident victims and their families obtain justice in Minnesota since 1986. We understand exactly how uninsured motorist claims work.
- Our Minnesota personal injury lawyers have recovered over $200 million in settlements and jury verdicts for clients. We will fight tirelessly to hold an uninsured driver accountable.
- We love what we do, and this is obvious in how we advocate for our clients. With Goldenberg Lauricella, PLLC, you matter most.
- You will not be charged any attorney’s fees unless we win your uninsured motorist accident case and collect compensation for your losses (contingency fees).
How a Lawyer Can Help You Navigate an Uninsured Motorist Claim
If an uninsured driver is at fault for your car accident in Minneapolis, this will affect the claims process. Without the other driver’s insurance available to provide coverage for your losses, you may have to seek compensation elsewhere. The best way to proceed with this type of claim is by contacting a local Minneapolis uninsured motorist accident attorney from Goldenberg Lauricella, PLLC for advice and assistance.
As soon as you hire an attorney, you can rest assured that your case is in the hands of someone who knows what they are doing and cares about the outcome as much as you do. Your lawyer will begin with an investigation of the accident, preserve evidence, interview witnesses and work with qualified experts to lay the groundwork of your case.
Then, your Minneapolis uninsured motorist accident lawyer will advise you on where to file an insurance claim and whether a personal injury lawsuit is an additional recovery option based on your circumstances. Your attorney will negotiate, fight and litigate for maximum compensation on your behalf through all available outlets. Meanwhile, you can focus on healing from your injuries.
Contact Our Minneapolis Uninsured Motorist Accident Attorneys Today
Recovery Options When an Uninsured Driver Is at Fault
Minnesota is a no-fault state. This means when a car accident occurs, those with injuries or related expenses will file claims with their own automobile insurance companies for reimbursement, regardless of who is at fault for the collision.
The no-fault system makes receiving compensation for a car accident faster and easier, as it is not necessary to prove fault or negotiate with someone else’s insurance provider. However, it has limitations in terms of the right to file a lawsuit against an at-fault driver.
First-Party Insurance Claim
One of the benefits of the no-fault system is that if the other driver does not have insurance, you can rely on your own policy to pay for your losses. The following types of car insurance are mandatory in Minnesota:
- Personal injury protection (PIP): the no-fault system requires PIP insurance to pay for basic economic losses. This will pay you and members of your household who were injured in the car accident for your medical expenses, lost wages and replacement services, regardless of fault. It does not cover property damage. Minimum coverage is $40,000.
- Liability insurance: pays for the medical expenses and property repairs of others if you are deemed to be at-fault for a car accident in Minnesota. The required amounts of liability insurance are $30,000 per person, $60,000 per accident and $10,000 for property damage.
- Uninsured/underinsured motorist (UM/UIM): supplemental coverage that pays for additional medical costs you may have after you exhaust your PIP benefits and when the at-fault driver does not have insurance. The amounts of required UM/UIM coverage are $25,000 for one person and $50,000 for two or more people.
After an uninsured or underinsured motorist accident in Minneapolis, you can contact your own insurance provider to file a claim. If your policy does not contain enough coverage to fully pay for your losses, seek other sources of compensation with help from our Minneapolis uninsured motorist accident attorneys.
Personal Injury Lawsuit
If your expenses from an uninsured motorist accident prove greater than the limits on your own insurance policy and you do not have the at-fault driver’s insurance to draw from, you may be able to seek additional compensation by filing a lawsuit against the other driver. Unfortunately, many uninsured motorists in Minneapolis lack the assets and income to pay a judgment award.
Another option may be filing a claim against a third party. Our attorneys will investigate to search for signs of third-party liability, such as a dangerous roadway that is the city government’s responsibility or defective vehicle parts. Accessing all possible insurance policies can maximize your financial recovery even if the at-fault driver is uninsured.
Steps to Take After an Uninsured Motorist Accident in Minneapolis
If you are involved in a car accident in Minneapolis and find out that the other driver does not have automobile insurance, take the following steps and actions to protect your rights:
- Write down the driver’s information, including name, phone number and vehicle information.
- Report the car accident to local law enforcement.
- Be sure to get immediate medical care for any injuries you suffered.
- Notify your own car insurance company about the accident and state that the other driver doesn’t have insurance.
- Document the accident thoroughly by taking photos of the scene, gathering witness information and keeping copies of your medical records.
- If you have serious injuries or there is a liability dispute, contact our uninsured motorist accident lawyers in Minneapolis.
A lawyer can assist you at every stage of the claims process, from helping you file an uninsured motorist claim to taking civil action against one or more parties.
Contact Our Minneapolis Uninsured Motorist Accident Attorneys Today
If you’ve been injured by an uninsured driver in Minneapolis, Minnesota, you have rights and recovery options. The experienced Minneapolis uninsured motorist accident attorneys at Goldenberg Lauricella, PLLC, are available to help you maximize your physical and financial recovery. We offer powerful legal representation designed to achieve life-changing results. Contact us today to find out how we can make a difference to your uninsured motorist accident case. Call (612) 333-4662 to schedule a free consultation.