Were you involved in a car accident, but the driver doesn't have car insurance? You may be wondering what you can do in this situation to have your injury-related expenses covered. Here are 3 things to know about this unique situation.
Don't Take The Driver's Word
You should never take the other driver's word about if they have insurance or not. For all you know, they are lying and saying they don't have insurance so that you do not pursue a claim with their insurance provider. Thankfully, you do not always need the other driver to give you their insurance information at the time of the accident. As long as you have the other driver's contact information, you should be able to look up their insurance provider information to make a claim. That is why it is always worth checking, even if the other driver claims they don't have a policy.
Use Your Uninsured Motorist Coverage
If the other driver actually does not have insurance, you have the option to use your own uninsured motorist coverage. This is coverage that you need to already be paying for that helps protect you in this exact situation. However, uninsured motorist coverage is not going to cover some damages that can normally be recovered in a personal injury lawsuit, such as pain and suffering.
However, be aware that your policy will have a cap on how much uninsured motorist coverage you have, which is usually based on the amount of coverage that you purchased. While your insurance company will likely sell you as much uninsured motorist collage as you would like, you need to be aware of what your policy's limits are. Consider revising your uninsured motorist coverage if you feel like you do not have enough. Even if you do not get into an accident with an uninsured driver, this insurance can help you with a hit and run accident.
Consider Reaching Out To A Lawyer
Consider working with a lawyer when you are involved in an accident with an uninsured driver. They may recommend pursuing a personal injury lawsuit against the individual, even if they do not have an insurance policy to pay out the settlement. This could involve going after the individual through things like wage garnishment to help pay for your medical-related expenses so that you do not have to. Receiving some form of compensation may be better than receiving nothing at all.
For more information, contact a law firm like Cok Kinzler PLLP.