Even though having car insurance is extremely important, and legally required in 48 of the 50 states in the country, there are still many people who choose to drive without auto insurance. Unfortunately, if you are ever in an auto accident, through no fault of your own, and the other driver does not have car insurance, it can making getting paid for your damages and injuries a little trickier than usual. As a responsible driver, it is a good idea to arm yourself in what may take place if you ever find yourself involved in an auto accident with a driver that does not have car insurance.
What information should you get from the driver after the accident?
Just as it is after any automobile accident involving another driver, make sure you get the contact information from the other driver, including their full name, address, and phone number. This information will be required when you let your insurance company know what has taken place. It is also helpful if you document the license plate number of the car along with the make and model of the vehicle. If you have your phone on-hand, grab some pictures of the vehicle and all the damages.
Who will pay for your damages?
Technically, the person that caused the accident should be held responsible in an uninsured driver accident. However, only a few states will actually hold drivers financially responsible by forcing them to pay or risk losing their license and registration. Therefore, it actually usually falls on your own insurance company to make sure that you are compensated for what you have lost due to the accident. Unfortunately, insurance companies are very resistant to paying these claims, so you may have to seek counsel from an auto accident lawyer.
Can you file a lawsuit to be compensated after an accident with an uninsured driver?
In most cases, you will be able to proceed with an auto accident claim with the help of an auto accident attorney. The claim may be brought against the other driver in some states, but it may be brought against your own insurance company if they are legally liable to pay for the damages you sustained as a customer. While these cases can be a bit more complicated than the typical claim, they can still be successful and involve all the costs you have incurred, whether it is medical bills, lost wages, or otherwise.
To learn more, reach out to a local auto accident attorney.
I'll be up front: I have a criminal record. As someone who's spent lots--and lots--of time looking for a job in my life, I've gotten used to being up front with this fact. It's difficult to get hired with this on my record, and frankly, it never gets less scary to have to tell an interviewer about it. But that doesn't mean I'm unemployable. I'm a hard worker who can bring a lot to any company. And I also know what an employer needs to do for me. I know my rights. There's no federal law protecting me from discrimination due to my record, but there are plenty of state laws that make it a little easier for me. If you're looking for a job and you have a criminal record, read through this information. Protect yourself during a job search. Know your rights.