When you are hurt in a car accident, there are a lot of things that run through your mind, but most people aren't focused on suing the other driver or their own insurance company. Unfortunately, because of the way the world works, most people find that they are given far less of a settlement than they deserve, especially if the accident wasn't their fault. I wanted to create a blog all about choosing a better accident and personal injury attorney, so that you can prevent longterm financial ramifications from your accident. I know that a lot of these tips helped me along my journey.
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Getting in a car accident is never something you want to think about when you get behind the wheel, but it is always a possibility. Luckily, you are prepared for the possibility by having some protection from car insurance. However, this doesn't always mean that other drivers sharing the road are prepared with this protection. Here's what you should know about getting in a car accident with an uninsured driver:
Depends on What State You Are In:
First off, when you are involved in a car accident with an uninsured driver, the way it is handled is going to depend on your state. If you live in a no-fault state, this means that all losses are dealt with by your own insurance company, not with the at-fault driver with no insurance. However, most states are not no-fault states. If you live in a state that is not a no-fault state, you will need to file a claim and sue the driver if your damages have exceeded a certain amount. At this point, it's best to hire an auto accident lawyer to help with your case.
You Need Uninsured Motorist Coverage:
In order to receive compensation right away for the damages, you will want to have uninsured motorist coverage through your insurance policy. If you don't have this when you live in an at-fault state, you are not going to be able to receive coverage until you have successfully taken the uninsured driver to court. The problem with this is that uninsured motorists often leave the scene making it impossible to track them down, which is why it's important to write down a license plate number and take pictures if possible.
You Should Sue for Other Damages:
If you have uninsured motorist coverage, you still want to consider suing the uninsured motorist for other damages that your uninsured motorist coverage may not cover you for, such as pain and suffering, further medical expenses, and more. Your auto accident lawyer can help you in these cases to be sure that you receive a fair settlement for further costs outside of your uninsured motorist coverage.
When you know these things, you can be prepared for the off-chance you are involved in a car accident with an uninsured driver. This way, you don't fall victim to not receiving compensation for expenses that you have a right to when the uninsured motorist was at fault for your accident.
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