Injured by an Uninsured or Underinsured Motorist in WV
Attorney Pursues Rightful Damages From Your Insurance Company
The Law Firm You Can Trust
If you have been involved in an accident resulting in injuries caused by an uninsured, underinsured, or hit-and-run motorist in West Virginia, Angotti & Straface Attorneys at Law L.C. in Morgantown has your interests covered. Our experienced legal team will pursue the rightful damages that you are entitled to receive from your own insurance company. You paid for insurance for the security and peace of mind offered by the coverage promised. However, when an automobile accident victim is injured by an underinsured or uninsured motorist, we find that our clients are sometimes unfairly denied coverage that they are entitled to receive.
Aggressive Legal Representation
for Wrongfully Denied Insurance Coverage
A HANDS-ON APPROACH TO EVERY CASE
PROTECTING WEST VIRGINIA’S INJURED SINCE 1952
Our law firm aggressively fights insurance companies who wrongfully attempt to deny coverage for our clients, even when the insurer is our client’s own insurance carrier. For over 66 years, we have personally assisted our clients with settling a variety of insurance-related disputes, including:
- Whether Claimant is Insured
- Improper Coverage Cancellation or Reduction
- Clarification Regarding Which Policy Pays First
- Coverage for Out-of-State Accidents
- Matters Involving Complex Cases
- Stacked Coverage
- Medicare and Medicaid Insurance Liens
Is Your Auto Insurer Denying Your Uninsured Motorist Coverage in WV?
General liability coverage is written to protect you and your riders. However, it is important to note that this type of coverage does not compensate you and/or your riders if injured by another driver. In West Virginia, uninsured motorist coverage (UM) in the minimum policy limit of $10,000 for property damage and $20,000/$40,000 for bodily injury is required by law and provides protection if another driver’s wrongdoing or negligence results in losses for occupants of your vehicle. This amount may barely cover the cost of emergency room treatment for a minor accident. Your UM coverage may provide up to $50,000 for property damage and $100,000/$300,000 for bodily injury. If your insurer is denying coverage that you are rightfully entitled to claim, contact Angotti & Straface. We work to protect the interests of our injured clients.
Legal Claims for Underinsured Motorist Coverage
Underinsured motorist coverage (UIM) is optional, and the policy limits for minimum coverage may be negligible. Notably, UIM coverage is calculated by subtracting the amount paid by the at-fault driver from the limits of your own UIM coverage. This coverage is written to cover additional losses beyond the policy limits of a driver who possessed the minimum legal requirements for auto insurance coverage, but whose limits were insufficient to cover your losses. If your UIM policy is at or below that of the underinsured driver, your company may not compensate you. If you have not specifically waived UIM coverage, you may have a claim (whether or not you opted to purchase coverage). Our law firm can help you understand your automobile insurance coverage to help ensure that you and your family are adequately protected.
Contact Angotti & Straface for a free initial consultation to discuss your case and take the first step to claim the compensation that is rightfully yours: (304) 292-4381. Our attorneys represent clients in Huntington, Charleston, Parkersburg, Wheeling, Morgantown, and all of West Virginia.