Car Accidents with Uninsured Drivers

Car Accidents with Uninsured Drivers

Car Accidents with Uninsured Drivers

You may have noticed that any time you are stopped by traffic police, the officers will ask for your proof of insurance. That's because the law mandates that all motorists purchase car insurance for any vehicle they own. Of course, not everyone abides by that law, and thousands of uninsured drivers are on America's roadways every day.

The matter probably doesn't concern you a great deal until, that is, you are involved in a car accident with an uninsured driver. Following are a few legal and insurance factors to consider in this situation:

Even though the person who caused your accident may be uninsured, it is important to note that you may be covered for vehicle damages, medical care, lost wages and other personal injury issues by your own insurance policy.

Most comprehensive insurance policies include uninsured motorist coverage as a standard part of the policy. Uninsured motorist coverage usually also covers hit-and-run collisions, as well. Check your policy as soon as possible after the accident to see if you have indeed purchased this type of coverage.

Some motorists carry only a limited, legal-minimum amount of insurance. These drivers are considered "underinsured." In these cases, their policy may not be enough to cover all of your expenses resulting from the crash. Fortunately, this type of situation may also be covered under the uninsured motorist coverage in your insurance plan. In some cases, you could file a claim with both yours and the other driver's insurance company to cover your damages and make up the difference between what the at-fault driver's insurance company will cover and your actual expenses.

Before filing any type of uninsured motorist claim, it is advisable to discuss your situation with an experienced car accident attorney. That advice and counsel in the beginning of your filing can be advantageous to receiving all of the compensation you deserve.

If for any reason your insurance company dismisses your claim and refuses to pay what you are rightfully owed, it can be grounds for a bad faith lawsuit.

About Legal Compensation

Uninsured and underinsured insurance claims can be complex. Often, more than one insurance company can be involved, both with their risk management and legal teams working to protect their employer's bottom line.

An experienced car accident attorney can guide you and protect your legal rights throughout the insurance claim and denial process.

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