It is a sad fact that an estimated 14 percent of U.S. drivers do not carry auto accident insurance. What that boils down to is, if you are in a car accident, there is a one in seven chance that the at-fault driver does not have insurance. This is why so many auto insurance policies include uninsured motorists coverage for a nominal monthly charge.
If you are involved in an accident with an uninsured motorist, you may find that recovering the damaged can be exceedingly difficult if the person who caused the accident does not carry the required minimum of liability insurance. Usually when a driver in uninsured, it is because the driver cannot afford it, which can make collecting any settlement or award difficult, if not impossible. As a result, many times the person who was hit by the uninsured motorist winds up being responsible for covering the related expenses to the accident.
It is not always the case that an uninsured motorist is unable to cover the costs of the accident damages, but it is still a wise idea obtain uninsured motorist coverage so that you can collect the damaged from your own insurance company. If you’ve been in an accident with an uninsured motorist, contact an experienced lawyer for help in dealing with an accident involving an uninsured motorist.
If you’ve been in an accident with an uninsured motorist and you do not carry uninsured motorist coverage, it is sometimes possible to file a claim against your own insurance company to recover the damages caused in the accident. An experienced uninsured motorist attorney will have the depth and breadth of knowledge required to seek fair compensation from your own insurance company in this instance.
A car accident is not something you actively prepare for or expect to be involved in. However, you can prepare by talking a look at your insurance policy and making sure you have uninsured motorist coverage. Another step you can take is to know the best uninsured motorist attorney available in your area and call them if you get in an accident with an uninsured motorist. An experienced lawyer can help you recover your damages in the event of an accident with an uninsured motorist.