Car accidents are miserable, especially when the other driver does not have insurance. In a normal situation, insurance companies take care of most accident-related expenses. However, when there is no insurance company, the situation becomes complicated. Any damages the uninsured party is required to pay will come out of their own pocket. This often leaves them bankrupt. In some states, the uninsured driver must pay all damages awarded to the injured party before he or she is able to renew his or her driver’s license.
Even with litigation, it is very difficult to receive adequate compensation from an uninsured driver. Most uninsured drivers simply do not have very many personal assets that can finance compensation.
Drivers can protect themselves from uninsured motorists by purchasing uninsured motorist coverage. Some states require this coverage by law. By purchasing this insurance, you can protect yourself regardless of whether or not the other person has insurance. The insurance will make sure that you are compensated appropriately for damages.
Additionally, sometimes an uninsured driver has coverage under someone else’s policy. For instance, dependents who reside in the same household as an insured driver may be covered. The terms of this vary between states. However, if you are in an accident where someone is uninsured, this is worth exploring.
If you have been involved in an accident with an uninsured motorist, it is important to have an experienced legal team helping you to collect the compensation you deserve. Contact the uninsured driver lawyers of Habush Habush & Rottier S.C. ® at 800-242-2874 to schedule a free consultation today.