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Crash With An Uninsured Driver? Call An Attorney

Car insurance exists not only to protect your financial interests but also to protect the financial interests of anyone else on the road. Nevertheless, there are people who choose to drive illegally without the required insurance. What if you get into an accident with one of them? Upon finding out that the driver you collided with is uninsured, you should contact an auto accident lawyer as soon as possible. Here's what they can do for you.

Guide you through your state's insurance laws

Every state's insurance laws are somewhat different. Some states require all drivers to carry uninsured driver insurance, which is intended to pay your bills if you're hit by an uninsured driver. Other states don't require this insurance, but they specify that your insurance has to pay a certain amount in the case of a collision with an uninsured driver. An auto accident attorney who is licensed to practice in your state will know what these laws are, and they can explain them to you in the language you understand. Based on these laws, they can then help you make informed, wise decisions as to how to proceed.

Attempt to collect from the driver

Legally, if the driver who collided with you does not carry insurance and they caused the crash, they can be deemed liable for paying the damages personally. Your attorney can help you file a claim against them for the property damage, medical bills, and other costs that arose from your accident. This involves going to civil court. Sometimes, the driver may not be able to pay, in which case your lawyer can explore options like garnishing their wages.

Attempt to collect from your insurance company

If you carry uninsured driver coverage, your own insurance company should be willing to pay for the costs related to the accident. However, it's common for insurance companies to have a limit and to only pay part of your costs. Your lawyer can help you appeal this and ask for a larger amount. Recouping these extra funds can take some time, but it's often worth the effort, especially if you're facing serious injuries with longer-lasting consequences.

Getting into a car accident is never fun, and crashing with an uninsured driver is even worse. Luckily, auto accident attorneys are well versed in these situations, and they can help you navigate the process of getting the damages covered. Talk to an auto accident attorney near you to learn more.