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A Guide To North Dakota Uninsured And Underinsured Motorist Accidents

Dealing with the trauma of accident injuries is physically and emotionally stressful. If the other driver lacks sufficient insurance or is entirely uninsured, not knowing how you will pay your medical and other expenses can leave you even more burdened.

The lawyers with Reichert Law Office have the legal and insurance savvy to help you through this troubling time. Our decades of trial experience and knowledge of insurance law in the Grand Forks region can help you get the compensation you need to heal.

What Is Uninsured Motorist Coverage (UM)?

A UM policy protects victims injured in an accident caused by a driver without liability insurance. It helps cover medical expenses, lost wages and other damages you are legally entitled to receive. Typically, UM coverage in North Dakota pays $25,000 per person or $50,000 per accident.

What Is Underinsured Motorist Coverage (UIM)?

Underinsured motorist (UIM) coverage kicks in when the at-fault driver’s insurance limits cannot cover your total damages. North Dakota requires drivers to carry UM/UIM insurance coverage.

Note that:

  • UM/UIM coverage does not cover property damage.
  • You may need to exhaust the at-fault driver’s coverage before it kicks in.
  • Coverage and limitations can vary depending on the policy and state regulations.

Understanding your policy and its limitations is crucial to ensuring you receive fair compensation.

An Attorney’s Role In Uninsured/Underinsured Motorist Cases

Dealing with insurance companies after an accident can be challenging, especially with UM/UIM claims. An experienced personal injury lawyer can:

  • Investigate and gather evidence
  • Negotiate with insurers for you
  • Guide you through the legal process
  • Ensure your rights are protected
  • Represent you confidently in court if necessary

Reichert Law Office stands apart from other North Dakota and Northern Minnesota law firms because of our extensive experience handling UM/UIM insurance claims.

Get The Help You Need Today

We offer personalized attention and are committed to keeping you informed throughout the legal process. Contact us today at 701-314-2203 or online to schedule a consultation and get the injury compensation you deserve.