Have you ever wondered what would happen if someone who didn’t have insurance hit your vehicle? It sounds like something that rarely happens, every driver in California is required to have liability insurance after all. However, you might be surprised to learn that it happens more frequently than you think. Here’s what you can do if you get hit by an uninsured motorist:
3 Ways to Handle an Uninsured Driver Collision
- Filing a Lawsuit– If an uninsured driver causes an accident and you’re involved, one of your options is to sue the motorist that caused the crash. This could be a good way to recoup your damages, however, it is sometimes ineffective. Sometimes drivers don’t have insurance because they can’t afford it. If this is the case, then a courtroom verdict could be ineffectual at recovering the damages you suffered.
- Uninsured Motorist Coverage– Most insurance companies offer Underinsured/Uninsured Motorist Coverage in addition to the liability policy they offer you. This coverage helps cover expenses from injuries, automotive damage and other damages that may have been caused by an uninsured or underinsured motorist. These policies are usually pretty inexpensive, and considering how well they protect your family, the expense is often worth it.
- Having an Attorney– If either of the situations above play out, it is always advisable to have an attorney involved. An attorney can help advise you in pursuing a lawsuit and they can provide protection for you when dealing with insurance companies. You see, if a claim is large enough, some insurance companies may be reluctant to fulfill a claim. An attorney can help you challenge a denial and even help you negotiate a better settlement.
When it comes to motor vehicle accidents, there are always options available to you, even when the other driver doesn’t have insurance. Keep following the experienced lawyers at the Brand Law Firm to learn more about your legal rights. Remember, we are here when winning matters most to your family.