Hit By An Uninsured Driver? Learning Your Options

Car Accident Lawyer

The last thing you want to learn after a car has smashed into your vehicle is that the driver had no insurance. And yet it’s an unfortunate reality that as many as one in eight drivers on the road today is uninsured, according to a 2017 study. Being hit by a driver without insurance can immediately evoke fears of high repair costs and even a higher premium for your own insurance if you have to file a claim. The good news is that even in this less-than-ideal situation, you have options.

Uninsured Motorist Coverage

It’s fairly inevitable that you will have to look to your own insurance to cover damages if you are hit by an uninsured driver. Fortunately, most insurers offer something called uninsured motorist coverage. UIM is an add-on you can buy that will offer some coverage when you are in an accident with a driver who doesn’t have insurance. But this coverage often requires that the other drive be at-fault, so be aware before you file a claim.

Collision Coverage

Another handy add-on to your own insurance policy is collision coverage. This coverage is useful to pay to repair your car if it is hit by one of the estimated 13 percent of drivers on the road without insurance. It’s limited, typically only covering car repair damages and not medical bills from resulting injuries. But it can be a handy option, especially when damage is extensive. As with the previous coverage add-on, however, it often requires the other driver be clearly at fault.

File a Lawsuit

If you don’t have the above coverages, or your insurance company doesn’t offer them, it may be time to talk to a car accident attorney and file suit. But there are two caveats. If you live in a no-fault or traditional negligence state, the rules say that each driver or his insurance has to take care of their own damages, no matter who caused the accident. If you live somewhere where you can file suit, however, you should know that uninsured drivers are often money-challenged and may not be able to pay your damages any time soon.

Getting hit by another driver is a headache. But getting hit by a driver who is uninsured is a migraine. Invest in the proper insurance protections before you’re a victim. If it’s too late, call a personal injury lawyer in Harrisonburg, Virginia as soon as possible to begin mapping out a resolution that gets your bills paid and you back on the road.

Thanks to MartinWren, P.C. for their insight into personal injury claims and car accidents involving an uninsured driver.