If you are not at-fault in a traffic accident, then you likely want to recover some of your financial losses. Unfortunately, that is sometimes harder than anticipated because of the insurance status of the other driver. While most states require motorists to have coverage, there are still some drivers that forego the necessary protection to save money. It is easy to get angry that someone is not obeying the laws of the state, but keep in mind that the lack of insurance likely means they cannot afford the coverage. What do you do in these circumstances?
Use Your Uninsured Motorists Coverage
Some auto insurance policies do provide coverage for accidents with uninsured drivers. The policy limits and terms will vary based on the carrier and your level of coverage. While protection against uninsured drivers may not cover all expenses, it may be enough to limit the financial strain
If you were injured in the accident and hoping to recover medical costs, your policy might help here too. Most auto insurance policies have personal injury protection. Again, the extent of the coverage varies, but it should be enough to help mitigate some of the expenses from your injury. You can contact your insurance agent to discuss the specifics of your policy.
File a Lawsuit Against the At-Fault Driver
Depending on the severity of your injuries or the damage to your property, you may find the only course of action is to sue the at-fault driver. However, keep in mind that the primary reason they do not have insurance is likely due to a lack of finances. If they do not have money to pay for insurance, they will probably not have the money to pay any judgment. Sure, the court may institute a payment plan, but by the time you recoup your losses, the accident will be a distant memory.
Before you rush into a lawsuit against an uninsured driver, contact a car accident attorney. Discuss the circumstances of the incident. The lawyer can help you make a filing decision. They may also help you utilize available resources that you did not know existed. Sometimes, a lawsuit is not the answer.
Were you in a crash with an uninsured driver? If so, reach out to a local and experienced car accident attorney, like from Yearin Law Office, for help. They will help you determine the best course of action, and they may even find a solution that works for you and the other driver outside of court.
