Even though it’s the law that all motorcycles and vehicles need to be insured while out on the road, that doesn’t mean that everybody is. Typically, if you find yourself in an accident situation, the insurance parties of everyone involved will gather evidence, figure out the case and act appropriately.
However, if you’re involved in an incident with someone who isn’t insured, this traditional way of working out the case is simply impossible, so what are you supposed to do? Today, we’re going to explore everything you need to know if you ever find yourself in the position of being hit by an uninsured motorist.
Where Are You?
First things first. The law on what happens if you’ve been involved in an accident with an uninsured driver depends on the country and State you’re living in. By law, many states will require all motorists to have some kind of insurance, but as we’ve already discussed, this isn’t always the case.
This means one of the first things you should do is contact a legal representative who will be able to guide you through the process and help you highlight any relevant laws or processes that can help you out. For example, you can let Hupy and Abraham handle your legal issues on your behalf to make things easy.
It’s important to remember that if someone isn’t insured, the chances are they also don’t have a lot of assets to their name, which means you may not be able to claim back the full amount the damages you’ve had inflicted.
You can also help prevent this being a problem in the first place by spending a bit extra and adding uninsured drivers’ policies to your policy to help you stay protected.
Taking the Traditional Route
It’s important to remember that even in a situation where the other driver has no insurance, it’s important to do everything you normally would in a typical accident scenario.
This means calling the police, taking contact information, gathering witness reports, taking photos of any damage and the scene, and getting as much information as you can. The more information you can gather, the easier the case will be for the insurers and the courts to manage; and the faster you’ll get to a result.
What If You Don’t Have an Uninsured Driver Policy?
A lot of the problems here can be resolved by simply having an uninsured driver policy. That way, it really doesn’t matter whether the driver is insured or not because you know you’ll be covered. However, what happens when you don’t have this policy to your name?
Well, you’ll again need legal assistance because you’ll want to file a lawsuit against them. However, this will depend on whether you live in a negligence state of a no-fault state. In a negligence state, you’ll be able to file a lawsuit to get your damages and expenses covered.
However, if you live in a no-fault state, this may not be an option because there’s ‘no-fault,’ which means drivers involved in accidents will pay for their own damages and bills; for which you’d claim off your own insurance policies.
As you can see, the options you have available when hit by an uninsured driver are there, but they are very dependent on where you live and the individual case specifics. The best idea is to get legal assistance who will be able to guide you through the process and get you the best result.