Learn what your attorney can do to protect your personal rights and financial interests if you are injured or your property is damaged or destroyed as the result of an auto accident that is caused by an uninsured driver.
What to Do When the At-Fault Driver Has No Insurance
Motorists in all states are required to provide proof that they carry auto insurance when they get a driver’s license or purchase a new or used vehicle. In reality, some drivers may allow their insurance to lapse or they may be dropped by their insurance companies. If an uninsured driver causes an accident that results in you being injured or your vehicle getting damaged, you may wonder if you are out of luck. Your Las Vegas injury lawyers offer solutions to assist your legal case in this situation.
Uninsured Motorist Coverage
The first step in dealing with an accident caused by an uninsured driver is to check your own insurance coverage. Your auto insurance policy may include some coverage for accidents caused by uninsured drivers. You may also have purchased additional coverage for such a situation. This coverage pays for your repairs and medical expenses and should not cause your rates to increase because you were not at fault.
Your own collision coverage may kick in to cover the costs of your vehicle repairs after an auto accident. However, keep in mind that collision coverage may be optional, and you may have dropped this coverage from your policy. Collision coverage only covers repairs or the fair market value of your vehicle if it is totaled.
Filing a Lawsuit
Collision coverage will not pay for your medical expenses, pain or suffering. If your medical costs from an injury far exceed your own policy coverage and your health insurance will not pay because your injuries resulted from an auto accident, filing a lawsuit may be your only recourse. Your attorneys can file a lawsuit seeking medical damages and remuneration for your pain and suffering. This course of action may require that you go to court or negotiate a settlement.