What To Do If You're Dealing With An Uninsured Motorist

If you're in a car accident with an uninsured or underinsured driver, then getting compensated for your injuries might not be as clear cut as you think. Even if you have uninsured motorist insurance, it doesn't mean you'll get everything you are entitled to under your policy. Also, taking the at-fault driver to court isn't always the wisest choice. However, that doesn't mean that you can't get money to cover your losses. Here are some ways to deal with an accident with an uninsured motorist.

Check Your Policy

Check your own policy first before deciding to start a lawsuit. If you have uninsured motorist insurance, which is required in many states, then make sure your situation is covered. If you are leasing or financing your vehicle, you may have what's termed "full coverage" which could cover some of your expenses even if uninsured motorist insurance isn't included. Collision coverage, for example, helps cover damages to your car. If you have medical coverage, then some or all of your medical bills may be covered.

Investigate the Other Driver

The problem with being in an accident with an uninsured motorist is that they are often uninsured because they can't afford it. People who have money usually have adequate insurance unless there's another reason why they don't have it such as having a suspended license. If they have a lack of income, it means that even if you sue them, they are either going to make very low payments over time or not pay at all. You can investigate the driver to see if they have any hidden assets that can be used to help pay your bills.

Take Necessary Legal Action

At the very least, you should inform law enforcement about the accident and the other driver's lack of insurance. Nearly all states require drivers to have insurance, and they may be facing criminal charges for not having it. You should also talk to an attorney about whether or not it's worth the time and expense to sue the other driver. An attorney can also help you deal with problems with your insurance low-balling you or denying your claim.

Whether or not your insurance company or the other driver will cover your losses may take some work to get a settlement. Since these cases can be difficult whether you're dealing with a company or an individual, it's important to contact a car accident attorney first before doing anything else. A law office like McMenamin & McMenamin, PS can give you advice as to what steps to take so that you get compensated.