Kent County Uninsured Motorist Claim Lawyer — How Do You Recover After a Hit-and-Run?
If you were hit by an uninsured driver in Kent County, you need an experienced uninsured motorist claim lawyer Kent County. Law Offices Of SRIS, P.C. handles these complex claims to help you secure compensation from your own insurance policy. Our team knows how to prove fault and maximize your recovery when the at-fault driver has no coverage.
What Is an Uninsured Motorist (UM) Claim in Delaware?
An uninsured motorist (UM) claim is a request for benefits you make to your own auto insurance company after an accident caused by a driver who has no liability insurance. Delaware law (21 Del. C. § 2118) requires all drivers to carry minimum liability coverage. When a driver violates this law and causes a crash, your UM coverage becomes your primary path to compensation for medical bills, lost wages, and pain and suffering.
Last verified: April 2026 | Delaware Superior Court | Delaware General Assembly
Official Resources for Delaware UM Law
Understanding your rights starts with the law itself. You can review the official Delaware statute on financial responsibility and insurance requirements at the Delaware Code Online. For court procedures and forms related to filing a claim or lawsuit in Kent County, visit the Delaware Superior Court website.
The Kent County UM Claim Process: An Insider’s View
Filing a UM claim in Kent County involves specific steps. You must notify your insurer promptly and provide evidence that the other driver was uninsured and at fault. Insurance companies often scrutinize these claims closely. An experienced UM claim lawyer Kent County can manage the process, from the initial demand to potential arbitration or litigation.
- Report the Accident: File a police report immediately, especially for a hit-and-run. This creates an official record.
- Notify Your Insurer: Contact your auto insurance company to report the accident and initiate a UM claim.
- Gather Evidence: Collect witness statements, photos of the scene and damage, and the police report number.
- Seek Medical Care: Document all injuries and follow your doctor’s treatment plan to establish a clear link to the accident.
- Consult an Attorney: Before giving any recorded statements or accepting a settlement offer, speak with a lawyer.
- Negotiate or Litigate: Your attorney will negotiate with your insurer. If a fair settlement isn’t reached, they may file a lawsuit in Kent County Superior Court.
Why You Need a Specialized Uninsured Driver Accident Lawyer Kent County
Dealing with your own insurance company after an accident can be counterintuitive. They are not automatically on your side in a UM claim. A dedicated uninsured driver accident lawyer Kent County understands the tactics insurers may use to minimize or deny your claim. We advocate for you to ensure you receive the full benefits you paid for under your policy.
Firm-Wide Experience with Insurance Disputes
Founded in 1997, Law Offices Of SRIS, P.C. brings a focused approach to uninsured and underinsured motorist claims. Our firm-wide track record includes successfully resolving thousands of cases. While we handle claims across multiple states, we apply this deep knowledge to each client’s unique situation in Kent County.
Results may vary. Prior results do not aim for a similar outcome.
Law Offices Of SRIS, P.C.
By appointment only.
Toll-Free: (888) 437-7747 | Local: (888) 437-7747
24/7 phone consultations — meetings by appointment only.
Our team serves clients throughout Kent County and is familiar with the local courts. If you need a dedicated uninsured motorist claim lawyer Kent County, contact us for a case assessment.
Frequently Asked Questions (FAQs)
What if the driver who hit me fled the scene?
Yes. A hit-and-run driver is typically treated as an uninsured motorist under Delaware law. You would file a claim under the uninsured motorist coverage of your own auto insurance policy, provided you have this coverage. A police report is essential for this type of claim.
Does my insurance rate go up if I file a UM claim?
It depends. Delaware law prohibits insurers from raising your rates solely because you filed an uninsured motorist claim where you were not at fault. However, other factors can affect your premium. An attorney can advise you on the potential implications for your specific policy.
How long do I have to file a UM claim in Delaware?
You have 2 years from the date of the accident to file a lawsuit for personal injury in Delaware, which includes UM claims. However, your insurance policy will require you to notify them and file the claim much sooner—often within days or weeks. Delaying can jeopardize your right to benefits.
What if the at-fault driver has some insurance, but not enough?
This is an underinsured motorist (UIM) claim. If the other driver’s policy limits are exhausted and don’t cover your full damages, you can seek additional compensation from your own UIM coverage. The process is similar to a UM claim and requires careful handling by an experienced attorney.
Do I need a lawyer if my own insurance company is handling the claim?
Yes. Your insurer has a financial interest in settling your claim for as little as possible. An uninsured motorist claim lawyer Kent County represents only your interests, evaluates the true value of your claim, and negotiates to secure a full and fair settlement.
Related Content: If you were injured in a commercial vehicle accident, learn about your options from our Delaware truck accident lawyers. For other local legal needs, see our page on Kent County DUI defense.
Page Last verified: April 2026. Laws and procedures change. Contact Law Offices Of SRIS, P.C. at (888) 437-7747 for current legal guidance regarding your uninsured motorist claim.