Winter in Windham County means picturesque drives, breathtaking scenery, and treacherous conditions. When heavy snow and ice accumulate on Route 9 or Interstate 91, the risk of a car accident increases significantly. And the stress just compounds when you discover the at-fault driver does not have insurance.
In these complex scenarios, the experienced Brattleboro car accident lawyers at Kramer Law, P.C., can provide you with the guidance necessary to navigate the aftermath and protect your financial well-being.
The Dangers of Winter Driving in Vermont
Vermont winters are notorious for sudden squalls and black ice, which contribute to a high number of traffic incidents each year. According to crash data from the state’s Safe Streets initiative, adverse weather conditions are one of the most frequent factors in roadway accidents. When visibility is low and roads are slick, even a momentary lapse in caution can lead to a serious crash.
Unfortunately, not every driver on the road exercises the due diligence that is required. Some motorists fail to maintain the state-mandated liability insurance, leaving accident victims to wonder how they will pay for medical bills and vehicle repairs.
Understanding Uninsured Motorist (UM) Coverage in Vermont
If you are hit by a driver who lacks insurance, you are not necessarily out of options. Vermont law requires that all auto insurance policies include uninsured and underinsured motorist (UM/UIM) coverage, which kicks in when the at-fault party cannot pay.
According to Vermont Law, insurers must provide coverage for the protection of persons insured under the policy who are legally entitled to recover the following damages from owners or operators of uninsured motor vehicles:
- Bodily Injury: Covers medical expenses, lost wages, and pain and suffering.
- Property Damage: Covers repairs to your vehicle, subject to a deductible.
This policy means that your own insurance effectively stands in the shoes of the at-fault driver, and although this coverage is mandatory, accessing the full value of your claim can still be a challenge, because insurance adjusters may attempt to minimize your payout.
Steps to Take After a Winter Crash in Brattleboro
To protect your rights after an accident during a snowstorm, consider taking the following steps.
- Ensure Your Safety: Move to a safe location if possible and check for injuries.
- Call Law Enforcement: A police report is vital evidence. In bad weather, police may prioritize severe crashes, but you should still report the incident.
- Exchange Information: Get the other driver’s name and contact details. If they admit to having no insurance, note this admission down immediately.
- Document the Scene: Take photos of the vehicles, road conditions, and any visible injuries.
- Seek Medical Attention: Some injuries may not be immediately apparent as a result of adrenaline.
Navigating Claims with Your Insurance Company
Filing a claim against your own UM policy can feel adversarial; your insurer acts as the defense for the uninsured driver, which may lead to disputes over the severity of your injuries or the necessity of your medical treatment.
Legal counsel can assist by helping you gather evidence to support your claim, handling communication with the insurance company, and assisting you in meeting all your filing deadlines. By reviewing the specific language of your policy and understanding Vermont’s insurance statutes, an attorney helps you receive the compensation for which you are entitled under the law.
Brattleboro Car Accident Lawyers at Kramer Law, P.C., Will Provide the Assistance You Need
If you or a loved one has been injured by an uninsured driver, you do not have to face the insurance companies alone. Our seasoned Brattleboro car accident lawyers at Kramer Law, P.C., are dedicated to helping residents recover fair compensation for their collision. Call us at 802-257-2221 or contact us online to schedule a free consultation. Our office is located in Brattleboro, VT, and we serve clients in the surrounding areas.
