Car accidents have an impact on individuals, affecting them physically, emotionally, and financially. The situation becomes even more complex when one of the parties involved does not possess car insurance. In this article, we will delve into the options available to accident victims who find themselves in a collision with an uninsured motorist.
The Common Occurrence of Uninsured Drivers
Unfortunately, car accidents involving uninsured drivers have become increasingly prevalent. Recent statistics reveal that approximately 13% of drivers on the road are without auto insurance coverage. This exposes individuals to unexpected hardships if they happen to be involved in an accident. Hence, it’s always a good idea to contact a car accident lawyer if you have been involved in such an accident.
Insurance Coverage for Car Collisions
When it comes to dealing with car accidents, understanding different types of insurance coverages that may come into play is crucial:
A. Liability Insurance
This form of coverage generally provides protection for drivers who are at fault for causing harm to others in an accident. However, it is important to note that liability insurance only applies if the other driver has this coverage in place.
B. Coverage for Uninsured Motorists (UM)
Many drivers choose to have UM coverage to protect themselves in situations involving underinsured motorists. UM policies offer compensation for damages caused by hit-and-run incidents or accidents where the other party does not have any insurance.
Taking Legal Action Against an Uninsured Motorist
Being involved in a car accident with an uninsured motorist doesn’t mean you have no options. There are avenues available to seek compensation and hold negligent drivers accountable:
A. Personal Injury Protection (PIP)
Some states mandate Personal Injury Protection as part of their auto insurance policies. PIP covers medical expenses and provides benefits for lost wages for those injured in motor vehicle accidents regardless of fault or whether the at-fault driver has insurance.
B. MedPay Insurance
MedPay is an addition to car insurance policies that covers expenses resulting from a motor vehicle accident regardless of fault. This type of coverage can be particularly useful when dealing with uninsured motorists.
C. Initiating a Lawsuit
If other options do not result in compensation, it may be necessary to file a lawsuit against the motorist. Even though it can be difficult and time-consuming, going through this process gives you the opportunity to seek recourse and potentially recover damages.
Consultation with an Attorney
Dealing with the complexities surrounding car accidents involving uninsured drivers can feel overwhelming. Hence, it is recommended to consult with a personal injury attorney who can provide guidance throughout the proceedings.
A. Initial Meeting
During your consultation with an attorney, they will carefully review the details of your case and determine its viability. They will take into account several factors, including state laws and available insurance coverages, to build a case on your behalf.
B. Assessment of Damages
An attorney will assist in evaluating the extent of damages caused by the accident. This assessment covers expenses, property damage, lost wages, and pain and suffering, as well as any long term effects resulting from injuries sustained in the collision.
C. Negotiations and Settlements
An experienced attorney will negotiate with insurance companies or opposing parties on behalf of their clients. Their goal is to secure settlements that adequately compensate for emotional and financial losses incurred due to the accident.
Impact on Insurance Premiums
Car accidents involving uninsured drivers may raise concerns about impacts on future insurance premiums. It’s important to note that if you’re not at fault, being involved in an accident doesn’t automatically mean your insurance premiums will go up.
The Significance of Having Sufficient Auto Insurance
Lastly, we can’t stress enough how crucial it is to have auto insurance coverage. Accidents can happen to anyone regardless of how careful they are as drivers. Having insurance allows individuals to safeguard themselves and their loved ones from the burdens that come with car accidents.
Conclusion
Accidents involving drivers without insurance pose a number of challenges for those who get injured. However, it’s important to remember that there are avenues available for seeking compensation and holding negligent drivers accountable.
By understanding the different types of insurance coverage and consulting experienced injury attorneys, accident victims can navigate through these difficulties and recover the damages they deserve. Always make sure you have auto insurance coverage to protect yourself in case unexpected situations arise on the road.
