North Kingstown Car Accident Lawyer: Mike Bottaro Secures Policy Limit UM Settlement!

Did you know that your own car insurance may provide you with a money settlement if you suffer personal injuries in a car accident?  In today’s blog, as a North Kingstown car accident lawyer, I recount a great settlement I earned for my client, while explaining the law of uninsured motorist (“UM”) coverage.

My team at Bottaro Injury Lawyers loves what we do – helping our local RI and MA drivers after a car accident.  You can always reach us 24/7 for a free confidential case review.  And under our exclusive “No Fee Guarantee,” there are simply no up front costs or fees – we only get paid when we in your case!

Front of our client’s vehicle after her North Kingstown, Rhode Island car accident.

Rear of our client’s vehicle after the car accident.

North Kingstown, Rhode Island Car Accident Results in Personal Injuries, Including Frozen Shoulder

Our client’s head post car accident.

Being a mother of two is stressful enough.  On top of childrearing, imagine being unable to go about your routine and continue daily activities and routine tasks.

Our middle-aged client worked as an occupational therapist.  She was driving to visit her sister along Route 138 in North Kingstown, Rhode Island.

Cuts and bruises on our client’s abdomen.

As she slowed for traffic, everything seemed fine and routine.  However, in a flash, her world was turned upside down.  A young careless driver (likely on her phone) suddenly slammed into our client with such force that is caused the tremendous total loss damage to our client’s car.

The carless driver struck our client in the rear with enough impact to cause our client to hit the vehicle in front of her, as well as that vehicle, to hit a fourth vehicle in front of them.

Our client’s cut and bruises on her arm.

Multiple airbags deployed amongst the four motor vehicles.

Our client was unconscious while crushed between two vehicles. Rhode Island State Police and North Kingstown Fire Department came to the scene.

An emergency rescue team rushed our client to Rhode Island Hospital.  She suffered personal injuries to the chest, neck, shoulder and back, as well as a concession.  She had cuts and bruises from her head, down to her arms and abdomen.

Our client was training for a road race before she found herself in a hospital bed.  Due to the extent of her injuries and the pain that this car accident caused, it would be some time before she would be able to run again.

What is Rhode Island Uninsured Motorist (“UM”) Coverage? Can I Get a Personal Injury Settlement When the Other Driver is Uninsured? Yes.

This case presented an example of Rhode Island uninsured motorist coverage (“UM”).

While our client began treatment with physical therapy, we began fixating on our car accident investigation.  We obtained the police report as well as property damage photos.  Unfortunately, the at-fault driver’s auto insurance lapsed.

Our client was training for a race, studying for school, and planning a vacation at the time of her car accident. Our Bottaro Injury Lawyers team fought to handle her legal case so that she could focus on recovering!

This means that the at-fault driver was considered uninsured at the time of the accident.  In this situation, your own auto insurance can step into the shoes of the at-fault driver, if you purchased UM insurance.  Mind you, “your” insurance company is not exactly your friend – no, they will fight and try to lowball you, the same as any other car insurance company!

And in this case, that is exactly what happened. Our team helped me put together a great case, explaining all the ways that this terrifying Rhode Island car accident disrupted our client’s life.  In addition to lost wages from being out of work, our client had to pause her studies and vacation plans.  She had to shop for a new car, and on top of it all, her daughter was sick with a tumor.

As a local North Kingstown car accident lawyer, I fought hard for our client.  We proved our case.  Ultimately, short of trial, the UM company agreed to pay a handsome Rhode Island car accident settlement for our grateful client.  She is now back at work and feeling better.

If you or a loved one are in a car accident involving an uninsured driver, call us right away!  We can still secure the compensation that you deserve, as well as get the uninsured driver cited by the local police department to help prevent drivers from driving without auto insurance.

It’s Good to Know Mike Bottaro – 24/7 Top-Rated Personal Injury Help

At Bottaro Injury Lawyers, we care for people.  Attorney Mike Bottaro and his award-winning legal team handle all types of personal injury cases throughout Rhode Island and Massachusetts.  We can even help on cases in other states as well.  We pride ourselves on our honesty, integrity, and results.  Contact us 24/7 in any method you prefer for a fast, free, and confidential consultation about your case.  Feel free to text or call us at 401-777-7777 or fill out our free and confidential online form.  We are here to serve and help you!

Working with Bottaro Injury Lawyers, Legal Assistant Bianca