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What Happens if the Driver that Hit me Was Uninsured?

If being involved in a car accident and getting injured isn’t bad enough, now you have discovered that the driver who caused the accident did not have insurance. You are now panicking about what you will do to pay for your medical care and your other losses. You can’t believe that this is happening to you because you thought it was illegal to drive without insurance.

What Happens if the Driver that Hit me Was Uninsured?
Road accident with smashed cars.

You are right. It is illegal to operate a vehicle in any state without insurance. Sadly, some people chose to ignore this law. What happens if you are injured in an accident where the other driver is not insured will all depend on the insurance laws in your state. Call a local car accident lawyer!

Uninsured Motorists – No Fault vs At Fault States

If you live in a state that has No-Fault insurance laws, you will have some protection if you are injured by an uninsured motorist. Your insurance company will be required to cover your losses and expenses up to your policy limit.

If you are in an At-Fault state, you may find it difficult to obtain compensation for your losses unless you have uninsured motorist coverage as part of your personal insurance policy. You can sue the other driver against their personal assets for your losses, but if they do not have the assets to cover your expenses, you may not be able to reclaim any of your losses.

It will always be in your best interest to work with an attorney if you have been involved in an accident with someone who is not insured. Your attorney will know exactly what to do to try to secure compensation for your losses.

The Importance of Uninsured Motorist Insurance

When you are looking at car insurance policies, it may be very tempting to overlook the additional insurance for uninsured motorists. To save a few dollars each month, you may elect not to have this coverage. Some major insurers even request that you sign a waiver of this coverage.

To protect yourself, go with an insurer and an insurance policy that provides uninsured motorist coverage. This is one of the easiest ways to protect yourself in the event you are in an accident with someone who is not covered.

Medical bills from an accident can run into the tens or hundreds of thousands of dollars. Losses from missed work or the inability to return to work can be devastating. If you are involved with a person who does not have the ability to cover these losses thru an insurance policy or through personal assets, you could face serious financial hardships.

Insurance policies are meant to protect people from unexpected and expensive events. Many people look at insurance as an unwanted expense each month. Having the right coverage in place can give you and your loved ones the protection you need in your time of crisis. You never know who is obeying the law and keeping coverage on their vehicle when you are out driving on the road.

If you have any questions about uninsured motorist coverage or if you have been injured by an uninsured motorist and don’t know what to do, speak with an attorney about your case. It will always be beneficial to speak with someone who has knowledge of the insurance laws in your state and how they apply to your situation.

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