Getting into an accident with an uninsured driver can be complicated, especially if you sustain injuries. You may be worried about your medical expenses and other bills that usually come after an accident with an uninsured driver.
But don’t worry; we can help you understand your options and the steps to follow to get appropriate compensation. You can use several methods to get justice and financial support from the driver at fault.
This article will explore these methods and guide you through the insurance process. You’ll also identify the appropriate avenues to get the justice you deserve.
What To Do When an Uninsured Motorist Hurts You
Uninsured motorists are more common than you’d expect and many motorists don’t have accident insurance. According to the Insurance Information Institute, about 14% of drivers in the U.S. were uninsured in 2022.
The aftermath of an accident with an uninsured driver can be confusing for someone without prior knowledge. In this case, the best option is to take legal action to manage finances.
While it can seem impossible to pursue legal routes to compensation, professionals can help you take the necessary steps to achieve it. They can help you make informed decisions and increase your chances of a positive outcome.
Here’s how to go about the process of getting the right help:
1. File a Claim with Your Insurance Provider
The first step after the accident is to check your auto insurance policy. Confirm if your insurance includes Uninsured Motorist Coverage (UMC).
This type of coverage helps to pay for medical expenses and damages after an accident with an uninsured motorist. Having UMC is helpful for financial protection when the uninsured driver can’t pay.
2. Take Legal Action
Insurance policies provide numerous types of coverage, and it is possible to miss something unintentionally. In some cases, you may not have uninsured motorist coverage, or your coverage may be insufficient for your damages.
In this case, you may need to take legal action against the other driver. Filing a lawsuit may get you the compensation you deserve if the at-fault driver is financially stable.
A lawsuit could lead to seizure of the driver’s assets to pay for your expenses, or it could result in taking a portion of their income or savings to compensate you.
Unfortunately, this option can be expensive and complex. However, consulting a personal injury attorney can make the legal process easier.
3. Request Compensation Through Health Insurance
Another way to get help for your medical expenses is through health insurance. This insurance is handy when you don’t have UMC or need additional financial support.
However, you need to ensure that your health insurance policy covers this type of injury. You should also confirm what you need to file a claim with your insurance provider.
Some states, like New York, have special programs to assist victims of uninsured motorist accidents to get support.
New York pays compensation funds to victims of motor vehicle accidents through the Motor Vehicle Accident Indemnification Corporation (MVAIC). You should research whether such a program is available in your location and what the eligibility criteria are.
What Next?
This article has gone over several ways you can seek justice and get compensation for an accident caused by an uninsured motorist. You can use these steps if you’re in such an accident. Make sure you get the necessary legal support to pursue such a case in court. A lawyer can assist you in securing fair compensation for your losses in one or the other way. Do not think about handling your case on your own. Hire a lawyer and let them deal w
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