Car Accident Lawyers in the USA

Get In A Car Accident With An Uninsured Driver? What to Do?

An article about how the absence of car insurance affects the people involved in a car accident and what you should do in this situation.

Insurance can be expensive and buying it is not everyone’s first priority. This is the main reason why statistics show that 27% of drivers on American roads do not have any car insurance at all. Let’s see what would happen if you had a car accident with one of those uninsured motorists?

This car insurance protects others on the road as well as yourself as the driver. It is not always possible, however, to track down and verify whether a negligent driver was carrying coverage at the time of an accident.

In order to protect yourself and your family, it is important to know your rights in such situations.

The Importance of Car Insurance

In the United States, most states require that all car drivers carry minimum levels of auto insurance. The laws regarding car accidents differ from state to state. However, if you are injured in an accident caused by another driver who is uninsured or underinsured and is not financially able to pay for your medical expenses, you may be eligible to receive compensation for your losses.

If At-Fault Driver Who Has No Auto Insurance

Accidents make us panic and worry about our health and safety. We also worry about the medical care we need to get because without health insurance purchased through the ACA, healthcare can be costly.

No car insurance means the driver is both irresponsible and uninsured. Most states require that all drivers carry some amount of liability coverage for accidents they cause. If the other driver has no car insurance and caused your accident, where do you stand? Were you aware that your own auto insurance policy could protect you and your loved ones if this happens?

However, because the negligent driver did not have car insurance, the insurance company may refuse to pay your claim.

Which Driver is Responsible for the Accident?

The driver who caused the accident is financially responsible for the damages caused by the accident.

Under uninsured motorist coverage, the injured driver must hold the other driver financially responsible for at least part of the accident in order to collect on that coverage.

The sum that the at-fault driver is responsible for is the amount that the injured driver can claim under the Third Party Liability coverage, up to the amount of that coverage.

In a car accident, there are two types of damages: compensatory and punitive. Compensatory damages are economic and non-economic damages, such as medical bills and lost wages. Punitive damages are non-economic damages such as pain and suffering. The injured party can collect under uninsured motorist coverage when the other driver is negligent or reckless in causing the accident. Underinsured motorist coverage provides compensation for both economic and non-economic damages.

How to Handle an Accident If the Other Driver Doesn’t Have Insurance

  1. The first step to take after an accident is to notify your insurance agency and inform them about the accident.

It is important for you to contact your insurance company as soon as possible because there is a time limit on how long you can file a claim for uninsured driver compensation.

  1. You should contact a car accident lawyer immediately after getting into a car accident caused by an uninsured driver.

A knowledgeable and experienced lawyer can evaluate your specific situation, establish how the car accident happened, figure out what compensation you should receive, and negotiate with the insurance company. In addition, he can help you file a lawsuit against the other driver’s insurance company.

Some Statistics

In the United States alone, over 1.5 million auto accidents occur each year resulting in more than 27,000 fatalities along with 2.6 million injuries according to the National Highway Traffic Safety Administration (NHTSA).

The importance of car insurance is no longer a question. Whether you hate it, love it, or just think nothing about it, every driver in your area needs to have insurance for their cars. The right lawyer will provide you with the legal help you need to obtain payment for your injuries after an uninsured driver causes an accident.

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