Mississippi Uninsured & Underinsured Motorist Claims Attorneys
If you have been involved in an accident with an uninsured or underinsured motorist, you’re likely frustrated and confused. Why would they drive without insurance? Don’t they realize it’s illegal? What can I do now?
At Stroud, Flechas & Dalton, our attorneys are here to guide you through this confusing time with understanding and experience.
Apart from the legal requirement to have automobile liability coverage, uninsured or underinsured motorist coverage (uninsured motorist or underinsured motorist) is the most important coverage you can purchase. This insurance provides protection to you if you are injured in an automobile accident by another at-fault driver that either does not have automobile insurance or does not have enough insurance to cover your damages.
This coverage is especially important to have given the fact that studies have shown that close to 26% of all Mississippi residents are uninsured. Everyone that has been told by their insurance representative that they have “full coverage” should take a hard look at their policy to make sure that they have uninsured motorist/underinsured motorist coverage and that they have enough coverage to adequately protect them for potential losses should they be severely injured in an automobile accident.
When considering making an uninsured motorist/underinsured motorist claim, you must consider the applicable state law. Each state has different laws that govern the application of insurance coverage to a loss. For instance, in Mississippi, if you have more than one vehicle in your household with uninsured motorist/underinsured motorist coverage in force, you can “stack the coverages.”
For example: If a couple and their 17-year-old son have three cars in their family and each vehicle carries uninsured motorist/underinsured motorist coverage in the amount of $25,000 per person/$50,000 per accident, the law in Mississippi will allow any of the family injured in an accident by an uninsured/underinsured at-fault driver to “stack” these policies—thereby allowing for available coverage in the amount of $75,000 per person/$150,000 per accident. Unlike Mississippi, Tennessee does not allow for stacking. Tennessee is known as an “anti-stacking” state.
Uninsured motorist/underinsured motorist coverage can be used to cover the same damages that would be covered by the liability coverage owned by the at-fault driver. These damages include medical expenses (past and future), lost income, and pain and suffering, among other things.
The personal injury lawyers at Stroud, Flechas & Dalton have extensive experience handling uninsured motorist/underinsured motorist claims and will work hard to procure all of the insurance coverage available to you for your injuries.
Dealing with insurance adjusters can be difficult. Contact Stroud, Flechas & Dalton today at our Southaven, Mississippi office for experienced help and guidance so you can move on with your life.
Voices From Our Community
Our Client Reviews
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“My daughter and I had the pleasure of working with Matt Dalton and was thoroughly impressed by his professionalism, attention to detail, and genuine care for my daughter.”- Tymara D.
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“Stroud Law Firm is truly outstanding. They are highly professional, maintain excellent communication, and are always client-oriented. Throughout my experience, they kept me informed and made sure I understood every step of the process.”- Julia D.
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“The lawyers at Stroud, Flechas & Dalton represented my case with ease and great professionalism. I appreciated their integrity and would highly recommend this firm.”- Suzanne R.
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“I am incredibly grateful to Mr. Flechas for his exceptional handling of me and my families case. From the start, he showed compassion and professionalism, all while making sure we felt supported.”- Ricky B.
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“Attorney Philip Stroud and Paralegal Heather Zarlingo with Stroud, Flechas and Dalton navigated me through a traumatic time after a 19-year old boy hit me going through a red light at 60 miles per hour.”- Becka P.
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“Mr. Dalton was amazing. He made the whole process seamless. He carries himself with such confidence and was extremely kind. He always returned my calls and made sure I was aware of everything going on.”- Ashley R.
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“If your looking for a law firm that will bend over backwards for you, look no further. This law firm went to bat for my wife and I and knocked it out of the park. We were very satisfied with our settlement. Make sure you check out their website also.”- David J.
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“Cannot say enough good about Mr. Matt Dalton. His empathy, professionalism, and wit made the entire process seamless and as worry-free as one could be.”- Solemn W.
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“I'm very pleased with how Stroud, Flechas & Dalton handled my case. Their staff was friendly and helpful. My questions were answered patiently and in a timely manner, and my case was handled quickly.”- Whitney G.