If you are involved in a car accident with an uninsured or unknown driver, you may wonder
what options are available to you for seeking compensation for your injuries and damages.
In this blog, we will discuss the process for filing an uninsured motorist injury claim, and the
role of a personal injury lawyer in helping you navigate the legal system.
What Is an Uninsured Motorist Injury Claim?
An uninsured motorist injury claim is a type of personal injury claim that is filed against your
own insurance company, rather than the other driver’s insurance company. When the other
driver in an accident is uninsured or cannot be identified, filing an uninsured motorist injury
claim becomes necessary. Uninsured motorist coverage, when added to your car insurance
policy, allows you to seek compensation from your own insurance company in case of an
accident with an uninsured driver.
This additional coverage will provide protection in the event of an accident with an uninsured
or unknown driver, allowing you to file an uninsured motorist injury claim and seek
compensation for your injuries and damages.
The Process for Filing an Uninsured Motorist Injury Claim
If you are involved in an accident with an uninsured or unknown driver, the accident must be
reported to a police officer within 24 hours, or as soon as you can.
You are also required to provide written notice of the accident to your insurance company
within 30 days, or as soon as possible, and within 90 days, or as soon as possible, you must
provide your insurance company with evidence to support your claim, including medical
information and a medical certificate.
If requested, you will be required to allow your insurance company to inspect your vehicle.
It is important to note that the process of filing an uninsured motorist injury claim can be
complex, and the adjuster may not always agree with your assessment of the damages and
injuries you incurred. It is recommended to have a personal injury lawyer assist you in
navigating the legal system.
The Role of a Personal Injury Lawyer
When you hire a personal injury lawyer, they will help you to navigate the legal system and
ensure that your rights are protected. A personal injury lawyer will work on your behalf by
evaluating your case, gathering evidence, and managing negotiations with the insurance
company.
A personal injury lawyer can also help you to understand the complexities of personal injury
law and the legal process, and they can advise you on the best course of action for your
specific case.
In addition, a personal injury lawyer will work to secure the highest compensation possible
for your injuries and damages. They may also take legal action if the insurance company
does not offer a fair settlement.
Motor Vehicle Accident Claims Fund
The Motor Vehicle Accident Claims Fund (“MVACF”) is a government compensation scheme
of last resort, available to Ontario residents who are unable to access motor vehicle
insurance for an injury claim.
Subject to prescribed conditions, the MVACF can provide compensation in the form of
statutory accident benefits, personal injury or damage to property,
Why Hire a Personal Injury Lawyer in Toronto
It is highly recommended to hire a personal injury lawyer if you plan to file an uninsured
motorist injury claim in Toronto. Toronto is a large and complex city, and navigating the legal
system can be overwhelming without the help of a professional.
A personal injury lawyer in Toronto will have knowledge of the laws and regulations specific
to the area, and they will have experience dealing with insurance companies and the legal
system in Toronto.
Additionally, a personal injury lawyer in Toronto will have the necessary resources and
expertise to advocate for your rights and secure the compensation you are entitled to. They
will also help you to understand your rights as an injured party, and they can advise you on
the best course of action for your specific case.
Conclusion
Filing an uninsured motorist injury claim in the event of an accident with an uninsured or
unknown driver can be a challenging and overwhelming process. However, hiring a personal
injury lawyer can ensure that your rights are safeguarded and that you are awarded the
maximum compensation for your injuries and damages.
RotondoLaw in Toronto can assist you in navigating the legal system and protecting your
rights through their knowledge and resources. If you find yourself in such a situation, don’t
hesitate to seek legal representation. They can guide you through the process and help you
understand your options. It’s important to note that hiring a personal injury lawyer does not
have to be expensive, as many work on a contingency basis, which means they only get
paid if they win your case.
The process of filing an uninsured motorist injury claim can be complex, but with the
guidance of a personal injury lawyer, you can be confident that your rights are protected and
that you receive the compensation you deserve. Don’t hesitate to reach out to a personal
injury attorney in Toronto if you find yourself in an accident with an uninsured or unknown
driver. They can assist you in navigating the legal process and advocate for your rights.