A sudden crash in Minneapolis can upend your health, work, and daily routine. Whether you were a passenger, a rideshare rider, or another driver on I-35W, I-94, Hennepin Avenue, or a downtown side street, the aftermath can feel overwhelming. Medical bills arrive as questions about no-fault insurance, rideshare coverage, and vehicle repairs pile up. Minnesota law offers important protections, but the process can be confusing when multiple insurers and policy rules overlap. Understanding how Personal Injury Protection, liability coverage, and potential UM/UIM benefits fit together can make a meaningful difference. This page explains the essentials and outlines how a focused strategy can safeguard your claim from day one.
At Metro Law Offices, we help people in Minneapolis and across Hennepin County navigate car accident claims with clear guidance and steady advocacy. From winter road collisions to rideshare incidents in the North Loop or Uptown, our approach centers on timely medical care, careful documentation, and smart communication with insurers. We coordinate benefits under Minnesota’s no-fault system and evaluate additional recovery paths when available. If you have questions about your next steps or how to protect your rights, we invite you to reach out. A conversation can provide clarity and a plan that fits your situation. Call 651-615-3322 to connect with our team today.
After a crash, decisions made in the first few days often shape the entire claim. Prompt medical evaluation supports your health and documents your injuries, while early notice to insurers preserves benefits. In Minneapolis, the no-fault system pays certain medical expenses and wage loss, but coordinating coverage, avoiding gaps, and identifying additional recoveries can be challenging. Rideshare claims add extra layers involving app status and multiple policies. With guidance, you can avoid common pitfalls such as recorded statements that oversimplify events, missed deadlines, or undervalued damages. Quality representation helps assemble evidence, calculate full losses, and communicate your case clearly, improving your position during negotiations with insurers.
Metro Law Offices advocates for injured people throughout Minneapolis and greater Minnesota. Our approach is practical and thorough: respond quickly, gather the right evidence, and keep clients informed. We understand how collisions on busy corridors like Lyndale Avenue, Highway 62, and the downtown grid can create complex insurance questions. Our Minneapolis presence means we’re familiar with local medical providers, repair shops, and the ways winter weather affects crash dynamics and injuries. We work directly with you to coordinate benefits under no-fault, evaluate UM/UIM claims, and address rideshare coverage issues when Uber or Lyft is involved. The goal is straightforward—protect your health, your time, and the value of your claim.
Rideshare crashes (Uber and Lyft) involve unique insurance triggers based on the driver’s app status. Coverage can shift depending on whether the app was off, the driver was waiting for a ride, en route to a pickup, or transporting a passenger. Each period can activate different policy limits and responsibilities for notice and cooperation. The steps you take—reporting the incident in the app, preserving screenshots, and documenting injuries—are important. Even in non-rideshare cases, multiple policies can overlap, and Minnesota deadlines may apply. A structured plan helps ensure prompt care, proper billing under PIP, and a strong presentation of liability and damages when negotiating with insurance carriers.
A car accident claim is the process of seeking benefits and compensation after a collision under Minnesota law. It begins with no-fault benefits for medical treatment and wage loss, then may include claims against the at-fault driver’s liability carrier. If that driver is uninsured or underinsured, your UM/UIM coverage may help. The claim is built on medical records, billing, proof of lost income, vehicle damage, and evidence showing how the crash happened. Timely reporting to insurers, consistent treatment, and careful communication improve the quality of your file. When appropriate, negotiation or litigation may be used to resolve disputed issues of fault, injury, or value.
Successful claims often follow a clear sequence. First, health comes first—get evaluated and follow recommended care. Next, notify insurers and set up PIP so medical bills are processed correctly. Investigate liability with photos, witness details, and available reports. Preserve evidence of damages, including treatment notes, work records, and repair estimates. Communicate with adjusters thoughtfully and avoid statements that minimize injuries or overlook symptoms that develop over time. Evaluate whether additional avenues, such as UM/UIM or rideshare policies, could provide recovery. Throughout the process, keep your documents organized and your goals in focus. A steady, organized approach helps protect your rights and supports a fair resolution.
Understanding common terms makes the insurance process more manageable. Personal Injury Protection provides early coverage for treatment and certain lost wages, but it does not always address all losses. Liability coverage applies when another driver is at fault and you meet legal thresholds for additional recovery. Uninsured and Underinsured Motorist coverage can help if the at-fault driver has no insurance or not enough. Rideshare coverage depends on app status and can involve multiple carriers. Comparative fault may affect recovery when responsibility is shared. Knowing these concepts, and how they interact in real cases, helps you make informed decisions and avoid preventable delays or denials.
Personal Injury Protection is a key part of Minnesota’s no-fault system. It helps pay medical bills and certain wage loss after a crash, regardless of who caused it. Promptly opening a PIP claim helps providers bill correctly and reduces the chance that accounts end up in collections. PIP does not resolve every issue, which is why accurate records of treatment, mileage, prescriptions, and out-of-pocket costs matter. If your PIP benefits approach their limits, you may need to explore other insurance paths, such as liability, UM/UIM, or, in rideshare scenarios, additional coverage tied to the driver’s app status. Proper coordination keeps care moving and preserves your options.
Comparative fault addresses situations where more than one person shares responsibility for a crash. In Minnesota, your potential recovery can be affected if you are found partially at fault. This makes fact gathering essential—photos of vehicle positions, weather conditions, traffic signals, and damage patterns can clarify what happened. Witness information and prompt statements can also be significant as memories fade. Insurers may raise comparative fault to reduce what they pay, especially when the scene is confusing or property damage appears minor despite real injuries. Presenting a consistent narrative supported by credible evidence helps counter unfounded fault shifting and strengthens your negotiating position.
UM/UIM coverage can provide an important safety net when the at-fault driver carries no insurance or too little to cover your losses. It is part of your own auto policy and may help with medical costs, wage loss, and non-economic damages when applicable. Accessing UM/UIM often requires strict notice to your insurer and thorough documentation of the at-fault driver’s limits and the full extent of your damages. In Minneapolis, UM/UIM can be especially important in hit-and-run or low-limit policy situations. Coordinating UM/UIM with PIP and liability claims requires care to avoid delays, protect policy rights, and present a clear, well-supported case for recovery.
Rideshare insurance is highly dependent on the driver’s app status. When the app is off, only the driver’s personal policy generally applies. When the app is on and the driver is waiting for a ride, a different level of coverage can be in place. Once the driver accepts a trip and is en route, or a passenger is in the vehicle, higher coverage may apply through the rideshare company’s policy. Each phase can affect which insurer you contact, what limits are available, and what documentation is needed. Preserving screenshots, trip receipts, and in-app communications can help verify the status at the moment of the crash.
Some Minnesota car accident claims can be handled with a light touch, particularly when injuries are minor, liability is clear, and PIP comfortably covers early expenses. In other cases, overlapping policies, disputed facts, and ongoing symptoms call for a more comprehensive approach. The right path depends on your health, available coverage, and the time you can commit to managing a claim. Before choosing, consider medical needs, documentation burdens, and whether you are comfortable negotiating with multiple insurers. A quick consultation can help you weigh the tradeoffs, estimate the likely scope of work, and decide whether do-it-yourself steps or full representation better fit your situation.
If you suffered minor, short-lived symptoms and liability is uncontested, a limited approach may be reasonable. Prompt evaluation with your doctor, careful use of PIP benefits for treatment, and timely coordination with your insurer may fully address your needs. Keep a simple file with medical notes, receipts, and communications. Do not minimize your symptoms, but be truthful and consistent. If your condition changes, or tests reveal a more serious issue, you can reassess and seek broader assistance. The goal is to restore your health and resolve the claim efficiently while preserving the option to escalate if the facts, injuries, or insurer positions evolve.
No-fault benefits are designed to move early medical care forward. When PIP adequately covers treatment and limited wage loss, and there is no indication of lasting harm, you may be comfortable managing the process yourself. Ensure providers have the correct claim information so bills route properly, and confirm what requires pre-authorization. Keep copies of all records and check explanations of benefits for accuracy. If bills start to shift outside of PIP or an insurer challenges recommended care, consider seeking additional guidance. A limited approach works best when everyone cooperates, documentation is clear, and your health steadily improves without signs of ongoing impairment.
When liability is contested, witnesses disagree, or more than one insurer is involved—as in rideshare incidents or chain-reaction crashes—a comprehensive approach can help. Coordinating communication, preserving critical evidence, and managing competing versions of events requires time and strategy. Thorough presentation of scene photos, vehicle damage patterns, and medical findings can counter attempts to shift blame. Careful evaluation of coverage layers, including UM/UIM, may be necessary to secure fair compensation. In these situations, a detailed plan reduces confusion, prevents missed deadlines, and helps ensure that each insurer receives the right information at the right time to properly evaluate the claim.
Significant injuries, extended time away from work, or the need for ongoing care require a broad view of damages. A comprehensive approach evaluates medical treatment, projected future care, wage loss, and how the collision affects daily life. It also examines insurance limits, potential third-party claims, and settlement timing to avoid resolving too early. Coordinating providers, specialists, and documentation helps tell a complete story of the harm you experienced. If you were injured in a rideshare crash, assessing the driver’s app status and overlapping policies is also important. With a full plan, you can address immediate needs while building a claim that reflects long-term consequences.
A thorough strategy brings order to a stressful situation. It aligns medical care, insurance communication, and evidence development so each step supports the next. Early actions set the tone: proper notice to carriers, accurate billing through PIP, and consistent treatment records. As the case progresses, organized files make it easier to explain your injuries, verify expenses, and communicate the impact on work and family. If additional policies, such as UM/UIM or rideshare coverage, may apply, a comprehensive plan helps unlock those avenues. This approach can reduce delays, avoid preventable denials, and improve the clarity of your position during negotiations.
Comprehensive does not mean complicated. It means being intentional: documenting pain and limitations, tracking out-of-pocket costs, and anticipating insurer questions. It means gathering scene evidence while it is fresh and making sure follow-up testing is completed when symptoms persist. When appropriate, it includes consulting with treating providers to understand prognosis and future needs. By coordinating each part of the claim—liability, damages, and coverage—you create a more complete picture for the decision-makers. In Minneapolis car accident cases, that clarity can influence claim value and timing, helping you move forward with confidence and fewer unwelcome surprises.
When multiple policies overlap, coordination is everything. A coordinated plan ensures PIP handles eligible medical bills promptly, while liability, UM/UIM, or rideshare coverage is explored for additional losses. Each insurer should receive accurate, consistent information, and each claim should move forward without undermining the others. Careful tracking of deductibles, copays, wage loss, and benefits prevents gaps that can leave you with unexpected balances. In rideshare claims, documenting app status and preserving in-app communications can be decisive. With the right process, you keep momentum, protect your rights under each policy, and maintain a clear record that supports a fair and timely resolution.
Evidence tells the story of your claim. Photos, witness information, medical findings, and records of how pain and limitations affect your life give adjusters a fuller picture of your damages. A comprehensive approach focuses on gathering and preserving this material early, before details fade or are lost. It also emphasizes consistent treatment and clear communication with providers, which helps establish a reliable timeline of symptoms and care. When it is time to negotiate, strong documentation supports a valuation that includes present and future needs. If settlement discussions stall, well-organized evidence also positions your case for the next steps.
Even if you feel okay, get examined promptly. Some injuries emerge over days as inflammation increases or daily activities resume. Early evaluation strengthens your health and creates a treatment record for insurers. Share all symptoms, including headaches, dizziness, or sleep changes. Follow the plan your provider recommends and attend follow-up appointments. Keep copies of bills, prescriptions, and referrals so PIP can process them. If care isn’t helping, ask about alternative or additional treatment. Consistency matters. Gaps in care or missed appointments can raise questions about the seriousness of your injuries. Clear, continuous medical documentation supports both recovery and your claim.
PIP can move medical care forward and help with certain wage loss. Provide your claim number to each provider so bills route correctly. Track mileage to appointments, prescriptions, braces, and other out-of-pocket costs. Monitor explanations of benefits for accuracy and follow up promptly on denials. If PIP nears its limits, discuss next steps and other coverage options, including liability or UM/UIM claims. Careful tracking avoids gaps and reduces the chance of surprise balances. Organized records also support negotiations by showing exactly what the crash has cost you and how those expenses were handled through Minnesota’s no-fault system.
If your injuries are lingering, insurers are disputing bills, or multiple carriers are involved, a lawyer can help you create a plan and reduce stress. Guidance is especially helpful in rideshare crashes, where coverage shifts based on app status. It also matters when symptoms worsen, work is affected, or you face long-term care. Coordinated communication, solid documentation, and a clear damages picture support your claim and your recovery. Even if you are unsure whether you need full representation, a conversation can provide direction, highlight timelines, and help you decide whether a limited or comprehensive approach best fits your situation.
Not every claim requires extensive assistance, but many benefit from early advice. Questions about comparative fault, PIP coordination, UM/UIM eligibility, or the timing of a liability claim are easier to address before problems arise. If you were a passenger in an Uber or Lyft, verifying coverage and preserving in-app records is time sensitive. Clear steps now can protect your health and the value of your case. When you have a roadmap, you can focus on healing while the claim progresses in an orderly way. If you want help evaluating your options, Metro Law Offices is ready to talk through your next steps.
People often reach out after a Minneapolis crash when they face confusing insurance issues, need help coordinating PIP, or are unsure how to document injuries. Rideshare collisions raise questions about app status and which policy applies. Hit-and-run incidents or low liability limits highlight the importance of UM/UIM. Soft-tissue injuries can start small and become disruptive, making early medical care and consistent follow-up important for both health and documentation. Disputed liability or multiple-vehicle crashes also benefit from a structured approach to evidence and communication. If any of these situations sound familiar, a quick call can help you understand your options and protect your claim.
Passengers are often unsure which insurer applies after a rideshare crash. Coverage usually depends on where the driver was in the trip flow—waiting, en route, or carrying a passenger. Preserving trip receipts, screenshots, and in-app messages can help verify status. Seek medical care promptly and keep all records, including any missed work. In many cases, PIP may still play a role if you have your own policy, and additional claims may be available under the rideshare carrier’s policy. Coordinating these paths can reduce delays and ensure that every eligible benefit is explored while your treatment continues without interruption.
When the at-fault driver lacks insurance or sufficient limits, your own UM/UIM coverage may help fill the gap. The process can require prompt notice to your insurer, proof of the other driver’s limits, and thorough documentation of your injuries and losses. Keep careful records of medical treatment, wage loss, and out-of-pocket costs. If a settlement is discussed with the at-fault carrier, coordinate with your insurer to protect your UM/UIM rights. In Minneapolis, these claims play an important role in achieving a fair outcome when liability coverage is unavailable or insufficient to address the full impact of the crash.
Neck, back, and shoulder pain can increase in the days after a collision as inflammation develops and normal activities resume. Early evaluation, follow-up testing, and consistent treatment help your recovery and create a clear record for insurers. Do not downplay symptoms that interfere with sleep, work, or daily tasks. Track your appointments, mileage, and any over-the-counter or prescribed medications. If certain activities worsen pain, note that as well. This information helps providers adjust care and supports the claim by showing the real-world impact of your injuries. Timely documentation can also prevent insurers from dismissing developing symptoms as unrelated.
We focus on practical solutions that make a difference in real cases. From the moment you contact us, we work to understand your injuries, your goals, and the coverage available. We coordinate no-fault benefits, communicate with adjusters, and gather the documentation necessary to explain your damages with clarity. Our Minneapolis presence means we appreciate how local roads, weather, and traffic patterns can affect both injuries and liability. You can expect responsive updates and a plan that adapts as your treatment progresses and your needs evolve.
Communication is at the heart of our work. We make sure you understand what to expect, what documents are needed, and how each step fits into the larger plan. If your case involves rideshare coverage or UM/UIM, we map the requirements and deadlines so claims move forward without preventable delays. Our goal is to remove uncertainty, keep your treatment on track, and position your claim for a fair evaluation. You will always know where your case stands and what comes next.
Negotiations are more effective when your file is well organized and supported by evidence. We help assemble medical records, bills, wage information, and proof of out-of-pocket expenses. If settlement discussions do not produce a fair result, we discuss litigation options and next steps with you. At each stage, we aim to protect your time and your peace of mind while presenting your case in the strongest light. When you are ready to discuss your options, Metro Law Offices is here to listen and guide you forward.
Our process is designed to move your claim forward efficiently while you focus on recovery. We begin by listening to your story and identifying your immediate needs, including medical care and PIP setup. We then gather evidence, assess liability, and evaluate every potential coverage path, including UM/UIM and rideshare policies when relevant. Throughout, we communicate clearly with insurers and request the records needed to support your claim. Once you are medically stable or we have adequate information about your prognosis, we present your damages for resolution through negotiation or, if appropriate, litigation. The result is a steady, transparent path from intake to outcome.
We start by assessing your health needs, setting up PIP, and ensuring providers bill the correct carrier. We notify appropriate insurers, request the incident or police report when available, and preserve scene evidence, photos, and witness information. If rideshare is involved, we secure trip records and app status details. We also help you organize bills and records so nothing is missed. Early, coordinated action prevents gaps, protects benefits, and sets the tone for the claim. During this stage, we provide a clear roadmap so you understand the process and can focus on getting the care you need.
We collect the information necessary to understand your case: how the crash happened, where you hurt, and what care you have received. We obtain or request available reports and confirm details with witnesses when possible. We notify insurers promptly to open claims and secure claim numbers for billing. This early communication helps avoid delays and clarifies what each carrier needs to process your benefits. If property damage is involved, we discuss repair options and documentation. Our aim is to preserve every piece of relevant information so we can present a clear, consistent account of the collision and your resulting injuries.
Your health comes first. We help ensure providers have your PIP information so bills route correctly and treatment continues without interruption. If referrals or diagnostic testing are recommended, we work to document medical necessity and coordinate with the insurer where appropriate. We also track out-of-pocket costs, wage loss, and mileage so benefits are requested accurately. If denials occur, we review them, address missing information, and pursue reconsideration when warranted. By keeping your care and billing aligned, we protect both your recovery and your claim’s foundation, reducing the chance of collections or disputes about unpaid balances.
With immediate needs addressed, we broaden the investigation and develop your damages file. We organize medical records and bills, gather work records, and document how the injuries affect daily life. We evaluate liability through photos, damage patterns, available videos, and witness statements. If rideshare factors are present, we secure app data and confirm applicable coverage periods. We also analyze policy limits and explore UM/UIM if needed. This stage is about building a clear, supported narrative that explains both how the crash occurred and the full scope of your losses, present and future.
We examine every available source to clarify how the collision occurred. That includes scene photos, vehicle damage, weather and traffic conditions, and any available recordings. We request statements while memories remain fresh and look for documents that corroborate the sequence of events. If there are discrepancies, we address them with objective evidence wherever possible. In Minneapolis, winter weather, road construction, and heavy traffic can all affect liability assessments. A thorough investigation helps counter attempts to shift blame and positions your claim for fair consideration by the insurers involved.
We compile the records that bring your damages into focus: treatment notes, bills, imaging, wage information, and out-of-pocket costs. We also document how pain, limitations, and medical restrictions impact work, family, and daily activities. When appropriate, we consult with providers about prognosis and future care, ensuring that potential long-term needs are accounted for before resolution. This careful documentation supports a valuation that reflects the true effect of the crash rather than a snapshot of early bills alone. Strong damages evidence provides a firm foundation for negotiation and, if necessary, litigation.
Once your injuries are sufficiently understood, we present a comprehensive demand that explains liability, treatment, and the full range of damages. We negotiate with insurers to reach a fair resolution and explore mediation where helpful. If negotiations do not produce an acceptable outcome, we discuss filing suit and the timeline that follows. Throughout this phase, we keep you informed, evaluate offers against your needs and risks, and make recommendations tailored to your goals. Our aim is to resolve your claim at the right time and value, with a process that respects your health and your future.
We present your claim with organized evidence and a clear explanation of how the crash affected your life. We address insurer defenses and supply additional records as needed. Where appropriate, we consider mediation to help both sides evaluate the case with a neutral perspective. Throughout negotiations, we review offers with you, explain the tradeoffs, and ensure all liens and benefits are considered. Our focus is on a resolution that reflects your present and future needs, minimizing delays and uncertainty while advocating for a fair outcome supported by the facts.
If settlement efforts stall, we discuss litigation options, expected timelines, and what preparation involves. Filing suit can prompt additional discovery, including depositions and expert evaluations, which further clarify disputed issues. We continue to evaluate opportunities for resolution while preparing the case for court. You remain informed at every step so you can make decisions with confidence. While many cases resolve before trial, readiness to proceed helps ensure your claim is taken seriously and that the decision-makers have a complete, well-documented view of liability and damages.
Minnesota’s no-fault system provides Personal Injury Protection benefits for medical treatment and certain wage loss regardless of fault. If your injuries and circumstances meet legal requirements, you may also pursue a claim against the at-fault driver’s liability insurance for additional losses. The path depends on your injuries, documentation, and available coverage. If you are unsure where to start, focus on health first and open a PIP claim so providers can bill correctly. Then gather evidence and consider a consultation to evaluate thresholds, timelines, and potential recovery paths. A brief discussion can clarify whether a limited approach or a broader plan fits your situation.
Calling the police helps create an official record, which can be useful even in minor crashes. A report may document positions of vehicles, statements, road conditions, and contact information. If police do not respond, exchange details with the other driver and gather your own photos and witness information. Medical care is still important, even if you feel okay at the scene. Some injuries appear later as soreness and inflammation increase. Prompt evaluation supports your recovery and creates documentation that insurers recognize. Keep copies of everything, including any incident number, and notify your insurer to start the claims process without delay.
Rideshare coverage depends on the driver’s app status. When the app is off, the driver’s personal policy generally applies. When the app is on and the driver is waiting for a ride, limited coverage may apply through the rideshare platform. Once a trip is accepted or a passenger is in the vehicle, higher coverage can be available. To protect your claim, preserve screenshots of the trip, driver details, and any in-app messages. Report the incident through the app when possible and seek medical care promptly. Coordinating PIP with rideshare and third-party coverage helps avoid delays and ensures bills are handled properly.
Personal Injury Protection is part of Minnesota’s no-fault system. It helps pay medical bills and certain wage loss after a crash, regardless of who caused it. Opening a PIP claim early helps providers route bills correctly and reduces the chance of collections or unpaid balances. PIP does not always address every loss. Depending on your injuries and the facts, you might also pursue claims under liability or UM/UIM coverage. Keep copies of medical records, bills, and out-of-pocket expenses, and track mileage to appointments. If PIP nears its limits, talk with a lawyer about the next steps and available coverage paths.
It’s wise to reach out soon after the crash if injuries persist, insurers are disputing coverage, or multiple policies are involved. Early guidance can help you coordinate PIP, preserve evidence, and avoid missteps in recorded statements or settlement timing. If rideshare is involved, quick action to document app status is important. Even if you are unsure about full representation, a conversation can help you decide between a limited or comprehensive approach. You’ll better understand thresholds, timelines, and what documentation is needed. When you’re ready to talk, Metro Law Offices can walk you through the options and next steps.
You are not required to provide a recorded statement to the other driver’s insurer before understanding your rights. Insurers sometimes seek early statements that minimize symptoms or gloss over details. It is reasonable to request time to review your medical status and consult a lawyer before agreeing to any recording. Your own insurer may require cooperation under your policy, but you can still ask questions about the process and timing. Keep communications accurate and concise, and avoid speculation. If you are uncomfortable, consider scheduling a consultation to discuss how to handle statement requests and protect your claim.
Timelines vary based on injury severity, medical recovery, liability disputes, and insurer responsiveness. Straightforward claims involving minor injuries may resolve more quickly, while cases with ongoing treatment, multiple insurers, or rideshare coverage can take longer to develop. It’s often best to reach a stable medical point before valuing your claim. During this time, we focus on consistent care, organized documentation, and clear communication with carriers. When your injuries are sufficiently understood, we present a well-supported demand and negotiate. If settlement talks are not productive, litigation may be considered. Throughout, we keep you informed so expectations remain realistic.
Yes, in some cases you may pursue compensation for pain and suffering beyond no-fault benefits if certain legal requirements are met. The specifics depend on your injuries, medical treatment, and documentation, as well as how liability is established and what coverage is available. Because these claims involve thresholds and policy coordination, early planning helps. Focus on consistent treatment, accurate reporting of symptoms, and preserving evidence about how the collision affected your life. If you are unsure whether your situation qualifies, a consultation can help clarify your options under Minnesota law.
Take photos of the scene, vehicle positions, damage, weather, and any visible injuries as soon as it is safe. Gather names and contact information for the other driver and witnesses. Request the incident or police report when available and keep towing and repair documents. Seek medical care promptly and save all records, prescriptions, and receipts. Track mileage, wage loss, and out-of-pocket costs. If rideshare is involved, preserve screenshots, trip receipts, and in-app messages. Organized evidence helps insurers evaluate your claim and supports a fair resolution by showing both how the crash happened and how it affected your daily life.
If the at-fault driver lacks insurance or has low limits, your own Uninsured/Underinsured Motorist coverage may help. These claims often require timely notice to your insurer and thorough documentation of the other driver’s coverage and your damages. Coordination with PIP and any liability claim is important to prevent delays. Before accepting a settlement from the at-fault carrier, discuss the impact on your UM/UIM rights. Keep detailed records of medical care, wage loss, and out-of-pocket expenses. If you need guidance, Metro Law Offices can evaluate available coverage and outline next steps to protect your claim.