What Happens When The Other Driver Doesn’t Have Insurance?

When You’re In An Accident With An Uninsured Driver

Every time you go out for a drive, you risk being injured and having your car damaged. It is the cost of being out on the road. But what if you are involved in an accident with a hit-and-run driver or someone who does not have any car insurance? Most likely you will have to turn to your own insurance company to cover damage to your property and the injury to yourself.

Uninsured Motorist

But, what can you do when you are injured in a car accident by a negligent driver who does not have car insurance?  How will you be compensated for your injuries? That is what uninsured motorist coverage is for. Underinsured motorist coverage protects you for injury sustained by a negligent motorist who does not carry liability insurance.

Responsibility for the Accident

In order to collect under uninsured motorist coverage, the other driver needs to be held financially responsible for at least part of the accident. The dollar amount that the other driver is responsible for is the amount that the injured driver can claim under the uninsured motorist coverage, up to the amount of that coverage. For example, if driver A is held responsible for an accident and driver B (has $500,000 of uninsured motorist coverage) wins a lawsuit against driver A for $700,000, driver B can get $500,000 from the uninsured motorist coverage on their own insurance policy.

Contact Your Insurance Company

Keep in mind that you need to contact your insurance company about the details of the accident, including personal injury and property damage. Your insurance company can explain what your policy covers and how it applies to your accident. Also keep in mind that insurance companies limit the amount of time before an uninsured motorist claim can be made, so it is important to make a claim before then.

Collision Insurance

One way of making sure that you are covered for damage caused by someone else’s negligence is to carry collision insurance on your own car.  If you are in an accident, the other driver has no insurance, and you have collision insurance, your car will be repaired by your insurance company, minus the amount of your deductible. For instance, if you are in an accident with an uninsured driver and your car damage is $2,000 and your deductible is $500, you will be reimbursed up to $1,500 under your collision insurance.

Consider Collision and Uninsured Motorist Coverage

Collision insurance and uninsured motorist coverage can be purchased at an additional cost and added to your insurance policy, but it does no good unless it has been added to the policy before an accident. The more uninsured motorist coverage purchased, the more protection you have for injuries sustained. Drivers who wish to maximize uninsured motorist coverage protection should consider talking with their insurance company to see how much uninsured motorist coverage can be purchased.

Contacting a Car Insurance Personal Injury Lawyer

In order for someone else to be held liable for your injuries and property damage, it may be necessary to hire a car insurance personal injury attorney. A personal injury lawyer who specializes in car insurance accident claims will be able to: prove who is responsible for the accident, figure the extent of your property damage and injuries, assign a dollar amount to the damage and injuries, file a lawsuit, and represent your interests with the others driver’s insurance company.

Filing a Lawsuit

If you sustained injuries in a car accident, especially one where there is an uninsured motorist or hit-and-run driver, you may wish to call a personal injury attorney for advice. Personal injury attorneys who handle car accidents can help find the hit-and-run driver, see if the driver has any insurance or assets, or collect damages from your own uninsured motorist insurance coverage. Personal injury lawyers such as M&Y Personal Injury Lawyers can help you with your personal injury and property damage claims. If you need help with an uninsured motorist or hit-and-run driver personal injury accident claim, give M&Y personal Injury Lawyers a call.

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