Occasionally, car accidents happen. In case you’re involved in one, it can sometimes give you peace of mind to know that either your car insurance coverage or the other driver’s, will probably be useful in paying for vehicle damage and medical treatment. Sometimes, however, the other driver might lack any, or enough, car insurance, or perhaps you might not be able to recognize the other driver at all. In such a case, you might have several options.
Uninsured and Underinsured Motorist Coverage
Assuming you are well insured, you’ll most likely have to rely on your insurance company to cover your specific damages when you’re involved in a car crash with an uninsured driver. Uninsured motorist coverage (UIM) is generally an additional coverage that you can obtain from your insurance company. It protects you whenever you get involved in an accident with an uninsured driver who also happens to be at fault for that accident.
Underinsured motorist coverage, just like uninsured motorist coverage, will cater for damages suffered in an accident with an insured driver who lacks enough coverage to cater for vehicle damage, your injuries, and other injuries sustained from that accident. Your underinsured motorist coverage comes in and assists in covering the difference in the overall amount of your losses and the other driver’s coverage.
Filing a Lawsuit
Depending on if you live in traditional negligence or a no-fault state, filing a lawsuit might be an option if you get yourself in such a scenario. In no-fault car insurance states, it isn’t an option to file a lawsuit. Each driver’s insurance is accountable for his damages or injuries, irrespective of who was at fault for that accident.
On the other hand, you might file a lawsuit against the particular uninsured driver if you are in a traditional negligence state. However, there’s no guarantee that you’ll be able to receive any settlement since most uninsured or underinsured people don’t have much money or assets to collect from. In this case it’s best to get representation from a law firm that works on a contingency like Falk & Falk Lawyers.
At an extra cost, collision coverage might also be included in your insurance policy. Typically, it will pay to repair your vehicle’s damages suffered in an accident with an at-fault hit-and-run driver or an uninsured driver. Keep in mind; however, that collision coverage won’t cater for your injuries, only the repairing cost of your vehicle (up to your coverage limits).
First Things First!
If you get involved in a car wreck with an uninsured or underinsured driver, your most appropriate action is to report that crash to your insurance company to determine how your coverage applies. In case you’ve sustained injuries that can’t be covered by enough insurance, it might be time to get in touch with an experienced and reputable car accident attorney to discuss your options.