Des Moines Uninsured Motorist Accident Lawyer
Last updated on April 24, 2025
An accident with an uninsured or underinsured motorist can create significant complications for your recovery process. At Galligan Law, we understand the frustration and uncertainty that follows when you discover the at-fault driver lacks adequate insurance coverage.
Our attorneys bring decades of experience to these challenging cases, providing strategic counsel that protects your interests throughout Des Moines, Clive and across Iowa. With a legacy of securing substantial compensation for accident victims, we stand ready to help you overcome the unique hurdles presented by uninsured motorist claims.
How An Accident With An Underinsured Motorist Differs From A Traditional Iowa Car Accident
When you are involved in a traditional car accident in Iowa, the at-fault driver’s insurance typically covers your damages up to their policy limits. However, uninsured or underinsured motorist cases follow a different path that can be more complex to resolve.
In these situations, you must turn to your own insurance policy for compensation through uninsured motorist (UM) or underinsured motorist (UIM) coverage. This process often requires additional documentation and evidence to support your claim, including proof that the at-fault driver had insufficient or no insurance coverage.
The claims process also differs significantly. Rather than negotiating with another driver’s insurance company, you will be negotiating with your own insurer – who may not always act in your best interest despite your loyal premium payments.
How Does Uninsured Motorist Coverage Work In Iowa?
Uninsured and underinsured motorist coverage provides protection when you are injured by a driver who either has no insurance or whose policy limits are too low to cover your damages. While not mandatory in Iowa, this coverage is strongly recommended for all drivers.
Iowa law allows insurance companies to offer UM/UIM coverage, which typically includes:
- Medical expenses coverage
- Lost wage compensation
- Pain and suffering damages
- Property damage in some policies
Without this coverage, you risk significant financial hardship if struck by an uninsured driver. Your options become limited to pursuing the at-fault driver personally – often a fruitless endeavor if they lack insurance due to financial limitations.
Speak With An Experienced Des Moines Accident Lawyer Today
Do not face the challenges of an uninsured motorist claim alone. Our Des Moines lawyers at Galligan Law stand ready to handle your case with the dedication and skill it deserves. Call us at 515-316-6179 or complete our online contact form to schedule a free consultation about your uninsured motorist accident case.