No one wants to get into a car wreck, especially with an uninsured driver. While purchasing liability insurance is mandatory in most states, there are always motorists who will break the law.
After Accidents with Uninsured Drivers
You will not know whether a driver lacks insurance until speaking with the driver after the collision. It is crucial to always call the police after an accident. This will help injured victims and you will be able to obtain the police report of the accident, which is an absolute necessity. A police report, photos, and videos can help you with your claim if the driver lacks insurance.
It is vital to contact your insurance company immediately. If you carry uninsured motorist protection on your policy, which is mandatory in some states, it will help pay for your medical expenses and lost wages. In almost every state, insurers are required to offer this coverage to customers. All drivers should consider purchasing uninsured motorist protection from their insurance companies.
Medical Insurance
Normally, the liability policy of the at-fault driver pays for the medical bills of others injured in the accident. However, if the other driver does not have insurance and you do not have uninsured motorist protection, your own health insurance may pay for medical costs. You are liable for any out-of-pocket deductibles on your policy.
Property Damage
Getting your vehicle repaired or replaced after an accident with an uninsured driver is another concern. Some drivers may have uninsured motorist property damage protection from their insurer, but this coverage is much less common than uninsured motorist protection insurance. Talk to your insurance company to determine your options.
If your insurance company does not cover the full extent of the damage, filing a lawsuit against the uninsured motorist is a possibility. However, if a driver does not carry motor vehicle insurance, it is unlikely they have adequate personal assets. That is not always the case, but unless there is reason to believe the driver possess necessary assets, there is little reason to file a lawsuit.
Underinsured Drivers
Many drivers on the road have insurance but are underinsured. Most states have a relatively low minimum amount for bodily injury liability coverage and medical treatments often pass the minimum threshold. Your underinsured motorist coverage applies once the other driver’s insurance thresholds are reached. Some states offer both uninsured and underinsured motorist coverage; if you have the latter, your medical bills and lost wages are covered. Both types of coverage are much less expensive than ordinary bodily injury liability insurance.
Washington, D.C. Car Wreck Lawyers at the Law Offices of Duane O. King Advocate for Uninsured Drivers Involved in Car Accidents
If you or someone you know suffered injuries from a car accident with an uninsured driver, you may be eligible for compensation. Our devoted Washington, D.C. car wreck lawyers at the Law Offices of Duane O. King will help you obtain maximum compensation. Contact us online or call us at 202-331-1963 for a free consultation. Located in Washington, D.C., we also serve clients throughout Maryland.
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