Car accidents happen every day, and unfortunately, many of those involve uninsured drivers. When you are the victim in a car accident and the driver of the other vehicle has no auto insurance, you will likely feel very frustrated. However, there may be some things you can do to recover your damages. Here are some things you need to know:
Check Your Own Insurance
Many auto insurance policies have an uninsured motorist policy. This is coverage that you pay for yourself in the event that you are hit by someone who does not have insurance and cannot pay you. You will have to submit your damages to the insurer. An adjuster will have to visit you to look at your damaged automobile. He or she will assess the damage and report back to your insurer who will then pay you what they believe you are owed.
You can also claim your medical expenses through your uninsured motorist coverage. You will have to submit copies of your expenses. In most cases, you will receive reimbursement.
You may also be eligible to receive payment for your pain and suffering. The evidence required by the insurer will vary based on your own circumstances. If you plan to pursue pain and suffering compensation from your insurance company, you may want to retain a personal injury attorney to help with this portion of your claim.
What Are Your Other Options?
If for some reason, your insurer does not pay you for your damages, or if they do not pay you as much as you need to be made whole, your other option is to sue the driver of the other vehicle. You and your personal injury attorney can build a case against the driver for a sum of money that will cover your damages.
However, keep in mind that these cases can be difficult to navigate. You may find that the other driver is unable to pay you even if you sue them and win. He or she could even file for bankruptcy and have your settlement discharged. Still, do not let that discourage you. If your attorney believes you can win, it is worth trying.
Being hit by an uninsured driver is never ideal. However, as long as you protect yourself with your own insurance, you should be able to recoup at least a portion of your losses. You should definitely work with an attorney once you get into a car accident to ensure you get all that you need to be made whole.
To learn more about personal injury law, contact a law firm in your area like Maruca Law.