If an uninsured motorist caused your Biloxi, Mississippi traffic accident, you may be unsure how to proceed with seeking compensation to pay for your medical treatment and other expenses. There may still be options for a payout despite the at-fault driver’s lack of liability coverage. The Morris Bart law office in Gulfport will review the facts of your case and explain your options for free.
If we think we can help you navigate the process and recover compensation in your case, a Biloxi uninsured car accident lawyer from our law firm will offer to represent you. Speak with a representative in our Gulfport office today at (228) 357-9621 to learn more.
Mississippi Requires Drivers to Carry Liability Auto Insurance Coverage
According to the Mississippi Insurance Department (MID), all drivers in the state must carry liability insurance coverage that provides at least:
- $25,000 per person hurt in an accident
- $50,000 per accident for all injured parties
- $25,000 per accident for property damage.
This is the policy that provides coverage for those hurt in an accident caused by the policyholder. It typically pays out to cover the losses experienced by accident victims and is the most common way to secure a financial recovery for our clients. This allows us to recover compensation without going to court.
If the driver does not have the required insurance coverage, we will either need to take them to court, present our case, and hope they have the assets to cover the costs without insurance or pursue other options.
Perhaps the best option is to file a claim based on the victim’s own uninsured/underinsured motorists (UM/UIM) coverage. This is not a required policy in Mississippi, but it is relatively common. If you have a UM/UIM policy, the limits likely match your liability insurance policy. We can pursue damages based on this coverage up to the policy limits.
A team member from the Morris Bart law office can evaluate your options, letting you put a strategy in place to seek the compensation you need. Call (228) 357-9621 to let us review your case for free.
For a free legal consultation with a Uninsured Car Accident lawyer serving Biloxi, call (228) 357-9621
Our Team Represents Accident Victims Based on Contingency
If we accept your case and help you pursue damages, a Biloxi uninsured car accident lawyer from the Morris Bart law firm will provide you with legal representation at no up-front cost to you. We handle personal injury cases, including car accidents, based on contingency. We provide the resources to:
- Investigate the accident
- Build a case
- File an insurance claim
- Negotiate with the insurer
- File a civil lawsuit
- Take the case to court
- Protect your rights
- Seek and secure damages, when possible.
We cover the costs of your case, receiving attorney fees only after we recover a settlement or court award. Our fees always come directly out of the payout you receive, never from your wallet or bank account.
We can answer your questions or explain more about our fee structure today. Call the Morris Bart law firm at (228) 357-9621 for your complimentary consultation with a member of our team.
Securing Damages in an Uninsured Driver Car Accident in Biloxi
UM/UIM coverage will generally payout for the same types of losses as a liability auto insurance claim, up to the policy limits. These are the same types of damages we can seek on your behalf in a personal injury lawsuit, if necessary, as well. They include:
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Economic Damages
Economic damages are the monetary losses you incurred due to your accident and the resulting injuries. These may include both current and likely future damages, as predicted by medical experts, economists, and other experts. Some common examples of economic damages include:
- Treatment and medical care, as well as any related expenses
- Ongoing care costs
- Lost wages, benefits, and other income
- Diminished earning capacity
- Loss of services
- Expenses paid out of pocket
Non-Economic Damages
Noneconomic damages are more difficult to value. They are intangible losses that do not have direct monetary value. Our team knows how to put a price on them based on industry conventions, the severity of your injuries, and the value of your other losses. Noneconomic damages include:
- Pain and suffering
- Diminished quality of life
- Emotional distress
- Other intangible losses.
Wrongful Death Damages
When an accident victim dies due to their injuries, their family may qualify to pursue damages in a wrongful death action. We can also handle this type of case for families who qualify.
Time Limits on Your Uninsured Car Accident Case
If we believe the uninsured driver has the assets to cover your losses, Mississippi law allows us to file a civil suit to recover the damages owed to you. Under Mississippi Code §15-1-49, we generally have three years to file this type of legal action. Missing the deadline could mean losing the right to hold the driver accountable.
There may be time limits on filing a claim based on your UM/UIM policy, as well. This varies based on the policy. Our team can determine the timeline for filing this claim when reviewing your policy during your initial consultation.
Contact our team as soon as your injuries allow following your accident. This allows us to go to work faster on your case. We can ensure you meet all applicable deadlines if we go to work on your case with enough time to do so.
Speak with a Team Member About Your Options for Compensation
If you were a victim of an uninsured driver, a Biloxi uninsured car accident lawyer from the Morris Bart law firm may accept your case and help you secure compensation for your damages. Our team offers complimentary consultations and accident reviews.
Call (228) 357-9621 today to speak with a team member and learn if we can help you based on the details of your accident case.
Our law firm operates 15 offices serving Louisiana, Mississippi, Alabama, and Arkansas, including our office in Gulfport, Mississippi.
Questions?Call (228) 357-9621
to find a Morris Bart office near you.
