Car Insurance. Involved In An Accident With An Uninsured Driver?
The consequences of an accident caused by an uninsured driver could be significant. In the event that you have a collision with a motorist who is not carrying car insurance and your injuries are significantly serious, you will want to speak with a lawyer about securing compensation for your property damage or medical bills.
This blog has gathered information on how to get compensation for property damage in the event of an accident caused by an uninsured driver so that you can make informed decisions on how to proceed. For example, if they were driving carelessly and hit your car, there may be grounds to sue them for negligence because their actions contributed to the damages sustained in the crash.
If you have already been hit by a car, there are a number of things that you should do to make sure that the driver has adequate coverage. There are also things that you need to do in the event that an accident wasn't your fault. But first, let's talk about what happens in an accident caused by an uninsured driver.
No Insurance? No Problem!
Such a situation is very different from one caused by another driver who does have sufficient auto insurance coverage in place. What this means is that you may not need a lawyer at all. You can successfully fight for compensation from the driver who caused the accident on your own.
What kinds of damages can you bring a claim for?
Many people believe that only damages to their own car or property are eligible for compensation. This is not quite true, however. In most cases, property damage would be covered, as long as you have proof to support your claim like the receipt of repairs by the car's insurance company. Terrain damage and medical costs of any kind are also usually within the realm of what courts will consider an accident that was caused by an uninsured driver.
What types of damages are not eligible for compensation from an uninsured driver?
Insurance companies may reimburse some kinds of expenses, such as the costs for medical care and lost wages. Some costs that can't be compensated include:
lost time from work or school, and cost associated with moving a vehicle to a different location.
In the event that you have suffered injuries as a result of hit-and-run driving, it is likely that you will want to speak with a lawyer right away. Even if you are not in physical pain in addition to emotional distress, you may want to try to recoup medical bills and lost wages if there was property damage involved.
A good lawyer will help you find ways to get compensation from other sources, such as the driver's insurance company. This will help you get compensation for your losses and put you on the road to getting better without delay or endless medical bills.
Sources: http://www.lawyersandsettlements.com/property-damage-accident-auto.html?pg=4
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How do you fight for compensation?
In most cases, you can go to court and win compensation from the driver who caused the accident. The court will determine how much money to give you as a result of your injury or property damage, which could be substantial amounts of money. If the judge feels that was caused by negligence, then a lawyer would be required in order for you to get compensation from the driver who caused such damage. However, there are many cases where there is an existing insurance agreement between both parties and there is no liability on your part at all. In this case, it is best if you go to an insurance claims adjuster to get your bill paid.
To avoid the possibility of an accident caused by an uninsured driver, it is best to make sure that your insurance policy has enough coverage for your needs. If you are not able to find a policy in the state that covers you fully, then you will want to make sure that there is sufficient private coverage on your vehicle with a high liability limit. It may be very helpful to look at different car insurance quotes so that you can research what kind of policies will work best for your situation.
Sources: http://www.insurance.com/car-insurance/how-to-fight-for-compensation-when-an-uninsured-driver
Last Reviewed: Friday, October 14, 2016
Copyright Heather Ryan 2015 - All Rights Reserved - 202.477.7393 x 106 / hryan@russellandheather.com / Russell & Heather | 212.941.6731 (NYC Offices) LMT / www.russellandheatherltd.com
Russell and Heather | Russell & Heather, Attorneys At Law | 212.941.6731 (NYC Offices) / www.russellandheatherltd.com
Russell & Heather | 202.477.7393 x 106 / hryan@russellandheather.com / Russell & Heather | 212.941.6731 (NYC Offices) LMT / www.russellandheatherltd.com
Russell and Heather | Russell & Heather, Attorneys at Law | 212-941-6731 (NYC offices) LMT - www.russellandheatherltd.