Have you been involved in a car accident with other driver who has no insurance? Are you looking for a solution out of this situation? This is the right article for you, it contains the solution to your problem.
In these circumstances, there are insurance policies that can bail you out. An example is your uninsured motorist coverage. The last thing that should come into mind is to sue the other driver who has no insurance.
In this blog post, Finance in Us provides you with the best solution out of a car accident where the other driver has no insurance. We all know when it comes to car accidents it’s either your insurance company help you out or the other driver’s insurance coverage does that. But in this situation the other driver who is at fault doesn’t have an insurance.
Car accidents sometimes comes unexpectedly and not every driver or car owner has an insurance.
Car accident other driver has no insurance – what to do
Make uninsured or underinsured claims
Since you are involved in a car accident with another driver who doesn’t have a car insurance, you then have turn to your own insurance coverage to bail you out. An insurance policy like uninsured and underinsured motorist coverage are available to do the magic.
This means that drivers or car owners should involve extending their insurance policies to these types of coverage. So when situations like this happens (car accident other driver has no insurance), their insurance company will be for the expenses. And should be done in states these coverage are available.
For uninsured motorist insurance, your company only pays for the injuries caused through the accident. This means that it only applies to car accident injuries. You can get up to the amount or benefit of your standard liability protection but not more than that.
This is same as underinsured motorist coverage. Your company will only take care of the damages you encountered during the car accident with a driver with an insurance but not enough to cover up all your expenses. That is why it’s referred to underinsured coverage. This will be based on the terms of your policy and the outcome of your company’s investigation on claim.
Sue the other driver who has no insurance
Since uninsured and underinsured coverage are not available in all states in U.S, your next alternative is filling a lawsuit against the driver who has no insurance.
There are several attorneys that deals with car accidents that involves no insurance on the part of one driver. They will guide you through the process and indicate where your benefits lies with the case. In this circumstances, your best option is to seek for compensation for damages which the lawyer will help you get that.
Requirements for making uninsured and underinsured coverage claims (Car accident other driver has no insurance)
In making a claim based on the above coverage, your company will ask you to provide certain things before they run an investigation into your situation. These requirements include;
- Proof of Injuries
- Medical bills
- Proof of damaged vehicle
- Insurance policy number
- Other driver’s information
- Police report
When it comes to making claims on these policy coverage, insurance companies expect drivers or car owners to do this within 30 days from the date of the accident. Therefore it’s advisable to get your particulars ready right after the car accident happens. Make sure you have a police report and also gone to see the doctor for any injuries and check up when you notice the driver has no insurance too.
As a driver or car owner take notes of these important information and find out more about your laws on insurance policies in your state. There are policies you can go in for in case you want your car repair expenses to be taken care by your company.
In conclusion, there are two ways out of car accident, other driver has no insurance. Thus, making a claim for uninsured or underinsured coverage and filing a law lawsuit against the other driver. Note that these coverage are not available in all states.
Thank you for reading this piece from us. We hope after reading this article, you have the solution to your problem.