Uninsured Drivers

Anoka Uninsured Driver Accident Attorneys

We Can Help You File a Claim

Car insurance is required by law in Minnesota, North Dakota, and Wisconsin. If you have a car loan, the lender may require you to carry coverage as well. It is estimated that about one in seven Minnesota drivers do not have the legal minimum level of auto insurance. Uninsured drivers put themselves at risk of having to pay significant out-of-pocket expenses when involved in a wreck. It also exposes them to fines and penalties, and even suspended driving privileges and criminal charges for repeat offenders.

Required Insurance

When you drive in Minnesota, you must carry bodily injury, property damage, personal injury protection, uninsured motorist, and underinsured motorist coverage. Your insurance will pay for medical bills related to your injuries, as well as permanent injuries caused by the uninsured driver’s negligence. Many people are initially reluctant to use this insurance coverage, but such claims are covered by your premium, and your insurance company is obligated to respond.

What is Uninsured & Underinsured Coverage?

If you carry all required car insurance, then you will have uninsured motorist and underinsured motorist coverage (UM/UIM). You also will have liability coverage. Liability coverage will pay for the damage or bodily injury of another person involved in a car wreck.

If the uninsured driver you collide with does not have liability coverage, then your UM/UIM coverage will cover your bodily injury. You can also get coverage for property damage in an uninsured motorist policy to cover physical damage to your vehicle, though this is not required by law.

UIM coverage will come into play if the at-fault driver does not have adequate liability coverage to pay for your bodily injuries. Without UIM coverage, you may have to absorb high out-of-pocket expenses personally.

What to Do When Hit by an Uninsured Motorist

When you are involved in any car crash, exchange contact information with the other driver, get pictures of both vehicles, gather any witness statements you can, and obtain a police report. If you must take the uninsured or underinsured driver to court, the evidence you gathered could prove crucial.

You probably have questions and concerns about the best way to proceed if you have been in a car wreck with an uninsured or underinsured driver. Call the attorneys of Bolt Law Firm at (763) 292-2102 for a free consultation.

Hear From Our Clients

    “Words cannot express the amount of gratitude and a million thank you’s to you. What a pressure of relief off me! These past years have been a struggle for my family and me...You have fought long and hard for us!”

    “We had a great experience with the Bolt Law Firm. They were very responsive to all our calls and emails. We always got our questions answered in a timely manner.¬†They are highly recommended!”

    “Thank you for all of your work on [our case] Lee. I truly appreciate you and the efforts you and your staff made that ensured the process was simple for us and easily understood.”

    “Thank you just doesn’t come close to what you deserve for everything you have done for me. Over two years ago I came in not having a clue what to do. You listened to me, you cared for me, and you fought for me. And you continued to fight for me.”

    “I don’t know where I would be, or what the outcome of all that has happened, could have been without you. Thank you so much for being so kind to me, and caring for me.¬† Know that I appreciate the role you have played in my life.”

Contact Our Firm

For a Free Initial Consultation
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please make a selection.
  • Please enter a message.