Can I Make a UM/UIM Claim After a Hit-and-Run Accident?

by | Aug 6, 2023 | Car Accidents | 0 comments

All car accidents are stressful, but when the driver who caused the crash flees the scene, that stress is amplified. If you have been left to deal with the aftermath of the accident and are uncertain of what to do next, it is easy to feel helpless. However, there is a glimmer of hope: uninsured motorist (UM) and underinsured motorist (UIM) claims.

UM and UIM claims are invaluable provisions in insurance policies that can shield car accident victims against the callous actions of unknown culprits, providing a path toward justice and financial compensation. At Dominguez Law, we help our clients navigate the turbulent waters of the unknown and seek the recompense they deserve after a New Mexico hit-and-run. Many times, this means filing an uninsured or underinsured motorist claim.

Filing a UM or UIM Claim After a Hit-and-Run Accident in New Mexico

Uninsured motorist coverage is designed to protect individuals who are involved in accidents with drivers who lack insurance coverage. Whether the other driver is uninsured, underinsured, or untraceable because they fled the scene, this coverage steps in to bridge the gap and protect you from shouldering the financial burden alone.

However, navigating the complexities of UM and UIM claims can be intimidating. The intricacies of insurance policies, legal requirements, and procedural hurdles are confusing, and victims are often left feeling overwhelmed. Seeking guidance from legal professionals well-versed in personal injury and insurance law can help victims feel protected and more confident throughout the legal process.

What You Should Know About UM/UIM Claims in New Mexico

If you have UM or UIM coverage as part of your insurance policy, it may allow you to make a claim for damages resulting from a hit-and-run accident. The ability to make a UM/UIM claim after a hit-and-run accident depends on the specific laws and insurance policies in your jurisdiction.

In many jurisdictions, uninsured motorist coverage applies when an accident involves a driver who does not have insurance. It also applies in hit-and-run scenarios where the at-fault driver cannot be identified. Underinsured motorist coverage, on the other hand, comes into play when the at-fault driver’s insurance coverage is not sufficient enough to cover your damages.

What To Do After a New Mexico Hit-and-Run Accident

When dealing with a hit-and-run accident, it is crucial to gather as much evidence as possible, such as eyewitness accounts, photos, or video footage of the incident. Additionally, you should promptly report the accident to your insurance company and local law enforcement.

To ensure you receive accurate and up-to-date advice regarding your specific situation, it is recommended to consult with a legal professional who can provide guidance based on the laws applicable to your jurisdiction.

By gathering evidence, promptly reporting the incident to both your insurance company and local law enforcement, and seeking expert legal advice, you can navigate the process of recovering the compensation and closure you deserve.

Contact a Skilled Hit-and-Run Attorney in New Mexico Today

Your insurance policy may not cover all of the costs associated with a hit-and-run accident. Past and future medical bills, lost pay, and vehicle maintenance costs can rapidly accumulate. At Dominguez Law, we represent victims of hit-and-run car accidents in Albuquerque and throughout New Mexico.

Call Attorney Paul M. Dominguez and his compassionate and aggressive personal injury team now at (505) 850-5854 to schedule a free consultation for your hit-and-run accident, or fill out our contact form for more information about your legal options. Our team also speaks Spanish.