Protecting Your Rights and Options
It’s a moment you never wanted to face. You’ve just been through a serious car crash, adrenaline is still pumping, and you’re trying to gather your thoughts. Then, after the police clear the scene, and maybe not until days after the crash, you learn that the other driver didn’t have insurance. Your mind races with questions. Who will cover the cost of my medical bills? What about the damage to my car? How am I supposed to move forward when the other driver isn’t carrying the basic coverage required by law? Check out this quick read to learn how you can protect yourself in this situation.
Be sure to stay calm and gather information.
Take a deep breath. Yes, learning the other driver is uninsured is frustrating — maybe even infuriating — but it’s important to stay calm and focus on evaluating your options.
Notify your insurance company.
Call your insurance company as soon as possible and inform them about the crash and the other driver’s uninsured status. Your automobile insurance may include uninsured/underinsured motorist coverage (UM/UIM) that can help pay for your damages and losses. Make sure to ask your insurer about the specifics of your coverage.
Use your uninsured motorist coverage.
If you have UM/UIM coverage, this is the time to use it. After all, you’ve paid for it. This type of coverage is designed to protect you when the at-fault driver is uninsured or underinsured. It effectively steps into the shoes of the at-fault drive to compensate you for your pain and suffering. Review your policy and consult with your insurer to see how much coverage you have and what it can be used for.
Explore all your legal options.
If you don’t have UM/UIM coverage, or if your damages exceed your coverage limits, you may need to consider other legal options. An experienced legal team can help you evaluate whether pursuing a lawsuit is worthwhile.
Know your rights and get legal advice.
You don’t have to navigate this situation alone. A serious car crash upends your entire life, and one that is caused by an uninsured driver adds yet another element of worry. Speak with a legal team skilled in personal injury that can help clarify your options, protect your rights, and make sure you get the compensation you are owed.
Don’t let an uninsured driver leave you in a lurch.
While the discovery that the other driver is uninsured can feel like a punch to the gut, remember: you still have rights, and you still have options. Protect your interests and get back on your feet. Our team is ready to help you explore your options. Contact our team today for a no-cost-to-you strategic planning meeting. When it matters, make it Maddox.
