A road accident is bad enough but if you happen to be involved in a crash with an uninsured driver then you can be in trouble. If the other party is at fault, then good luck asking them to pay out of pocket. No one has that much cash lying around now.
Even though driving an uninsured car is a legal offence, there are a number of such drivers out there so your chances of encountering one are high. To protect yourself in case your car is damaged or you suffer from serious injuries, there are ways to recover those costs. The best way to do that is to purchase uninsured motorist coverage from your insurance provider. Even though it will not come cheap, you will be glad your purchased it once those bills come in.
This type of coverage also covers situations where if you are in a car accident and the other driver does not have enough coverage. In this case, the coverage covers costs that the negligent driver should have provided if they had insurance for it. This is called under insured motor coverage which you can also sign up for. Not doing so can make your insurance company turn against you since they are not known for being cooperative anyway.
Underinsured motorist coverage will work to pay for the damages that you sustained during the accident. It is applicable with drivers who have car insurance in place but not enough funds to pay for injuries or damages to vehicles besides other losses. This is not required in some states though so it would be best to check it out first. It is always available as an optional choice though.
Filing a lawsuit
If you live in a no fault car insurance state, you may not be able to file a lawsuit like this. In such states both drivers are responsible for taking care of their injuries and damages irrespective of who is at fault. If you decide to sue, your ability to do so will be severely restricted especially if your injuries are minor or your medical bills are not that high. Make sure that you know where you stand either way.
Accident | Attorney Javier Marcos
If you have been in a car accident and suffered from serious injuries and damages because of a negligent driver, allow Attorney Javier Marcos to help you out. We have years of experience defending clients like you in court and will ensure that you get the damages you are entitled to. Just give us a call by dialing 713.999.4444 and we will get right back to you. This includes a free consultation in which we will help you understand the entire process and how we can help you get the best deal possible.
We are just a phone call and email away so do not hesitate to contact us if you have been the victim of a serious car accident.
Que hacer en caso de accidente sin seguro | Abogado Javier Marcos