Albuquerque Uninsured/Underinsured Motorist Attorney
If an uninsured or underinsured driver hits you, the claims process can be difficult. New Mexico is a fault-based state, meaning you would typically seek damage recovery through the at-fault driver’s insurer. When the at-fault driver doesn’t have insurance – or enough to cover your damages – you may not know where to turn for compensation.
The Albuquerque uninsured/underinsured motorist attorneys from the Fine Law Firm will help you obtain compensation through a claim with your own insurance company or another means, such as a personal injury case against a third party. Our lawyers can explore your available outlets of recovery and fight for compensation on your behalf.
Why Choose Us?
The personal injury lawyers at Fine Law Firm have practiced law in New Mexico since 1975. We have built a positive reputation in the state thanks to our commitment to personalized client care, a proven track record of success, and respect from the legal community. People choose us for uninsured/underinsured motorist claims for many reasons.
- Our 100-plus years of combined experience representing car accident victims.
- Our past successes and recognition from several notable law organizations.
- Our unmatched level of legal representation in the state of New Mexico.
- Our close relationships with our clients (and candid advice we give them).
- Our ability to go up against major insurance corporations during trials.
We have experience handling these unique types of claims in New Mexico. We take cases on a contingency-fee basis, meaning we only charge our fees if we win.
Why Do You Need a Lawyer?
Uninsured/underinsured motorist claims are difficult to negotiate on your own. You will need to seek full or at least partial benefits from your own insurance company to make up for the coverage the at-fault driver negligently failed to carry. You need a lawyer to negotiate with the insurance company on your behalf, increasing your chances of securing fair compensation. Hiring a uninsured/underinsured motorist lawyer can make your case much easier to litigate.
After a collision with one of these drivers, you may not have the ability to recover 100% of your collision-related costs through a settlement with the at-fault driver’s insurer. Instead, you may have to turn to your own company for coverage.
Your own insurance company will cover your damages in these situations only if you have uninsured/underinsured motorist (UM/UIM) insurance. This is an optional type of coverage in New Mexico. If you have this coverage, your agent will be able to tell you your benefit amount. If you don’t have this coverage, you could be facing the choice between paying your bills out of pocket or filing a personal injury claim.
What to Do After an Uninsured Motorist Accident
After an accident with an uninsured motorist, call an attorney. A lawyer can contact your insurance company right away to begin settlement negotiations. An Albuquerque car accident lawyer can also investigate your crash for signs of third-party negligence or fault, such as a broken traffic light or defective vehicle part that could have contributed to the wreck.
If your attorney finds evidence of someone else’s negligence, you may be able to recover compensation through a personal injury claim against that party instead of the driver. A claim against the driver typically won’t yield positive results, as someone without insurance often does not have the means to pay a settlement.
What Damages Can I Recover?
If your lawsuit is a success, you could receive payment for losses such as
- medical bills
- property damages
- pain and suffering
- lost wages
The precise amount you receive will depend on the severity of your injuries and the negligence of the at-fault party.
Contact Us Today
For more information about your specific uninsured/underinsured motorist accident in Albuquerque, contact The Fine Law Firm. First consultations with our attorneys are always free. Call (505) 889-FINE today.