While car crashes are stressful, it can be somewhat comforting to know that the damages will be covered by auto insurance. But, if you have been in a hit and run crash, or the other driver doesn’t have insurance coverage or doesn’t have enough coverage, it might be even more stressful because you are concerned about covering the cost of your damages.
There are some options available to you. Here are some ideas on how you should proceed when faced with such a problem.
File a Claim With Uninsured Motorist Coverage
If you have been hit by a driver who doesn’t have any insurance coverage, you will most likely need to pursue a claim with your uninsured motorist coverage. Uninsured motorist coverage is an additional coverage that you can purchase from your auto insurance carrier.
This coverage covers the costs of damages you suffer when you are involved in an auto accident with an at-fault driver who doesn’t have any auto insurance coverage to take care of your damages. While only a few states require this kind of coverage, most other states require the insurance company to offer it to you when you purchase your policy.
You can’t have more uninsured motorist coverage then you have for total liability coverage. So, if you have $100,000 in liability protection, you can’t have $150,000 of uninsured motorist coverage.
Collision Coverage
You can also add collision coverage to your insurance policy. This coverage will pay for the damages that your vehicle suffered in a crash with an uninsured driver who was at-fault. Collision coverage won’t cover any expenses related to your injuries but will just cover your car repairs up to the coverage limits.
File a Lawsuit
If an uninsured driver has left you with damages, you might be able to pursue a lawsuit depending on your state laws and if it is a traditional negligence state. But if you get a judgment against the at fault driver, there is no guarantee that you will collect compensation.
Most uninsured drivers don’t have many assets, so trying to collect could be a losing battle. Which option to cover your damages is dependent on many things. A personal injury attorney can help you determine the best way to proceed with your claim.
Consult With a Personal Injury Lawyer
If you have suffered injuries and damages in an auto accident, you should consult with a personal injury attorney. Accident injury lawyers have experience in handling such claims, and they will know the best way to proceed in your situation to recover the compensation you need to pay for your damages.
Because personal injury attorneys work on a contingency basis, you will not have to pay you attorney until you are compensated. Complete the Free Case Evaluation Form on this page today to have the details of your case reviewed.
