Sustaining an injury in a car accident is painful, and that pain can be increased when you find out the other driver is uninsured. Add to that the frustration of making a personal injury claim, and it is very easy to become completely overwhelmed. The aggravation you feel can quickly turn to anger and even panic when you start to see that bills will not be covered. You may even have a difficult time getting the treatment you need because of a lack of funds or enough insurance. The lost wages from not being able to work are problematic, as well. Before long, there seems to be no hope for the situation.
Being injured by an uninsured driver may seem unlikely, because insurance is required by law. Every state requires a basic level of coverage that is designed to financially protect drivers and their passengers in the event of an accident. However, just like individuals who break other types of laws, people often break the laws regarding proper vehicle insurance. These drivers may get coverage so they can prove they have insurance when they renew their tags and registration, but then they cancel the insurance afterward. That puts people who get hit by these drivers in a seriously compromised financial situation.
License suspensions, fines, and other legal issues are a part of life for drivers who don’t have insurance, but only if those drivers are caught. Many of these drivers cause accidents before they are discovered. Getting compensation from the uninsured driver can be difficult, since these drivers do not always have financial means to make things right. Typically, a personal injury lawsuit would be against the insurance company of the driver, but getting hit by an uninsured motorist doesn’t give the injured person that opportunity. There isn’t any insurance company to go after in a claim, except possibly your own.
While having coverage for uninsured and underinsured motorists on your policy is not a legal requirement, it can certainly help you if you are ever in an accident caused by a driver who doesn’t have insurance. Many people refuse this coverage because they know that basic liability insurance coverage is required, so they feel their risk of being struck by an uninsured driver is low. That is certainly logical, but it fails to account for the number of people who decide they are going to drive without insurance even though the law requires it. Even with the uninsured motorists coverage, you can still end up with unpaid bills.
Depending on the severity of the accident caused by an uninsured driver, your medical bills can go beyond the limits of your coverage. That means that the obligation your insurance company has to help you cover medical bills and other expenses caused by an accident with an uninsured driver will be fulfilled before all of your expenses are paid. You may find that there are outstanding bills from doctors, hospitals, and other care providers, and that this coverage also does not pay to fix or replace your vehicle. If you did not have collision coverage on that vehicle, you could be without the means to get another car.
The additional stress and strain of being in a car accident with an uninsured driver can slow your healing time and make everything about the financial aspect of the accident more difficult. The recovery time for these kinds of accidents can be longer, as well, simply because of the extra struggles that come about. You may even find that your uninsured motorist claim is not being expedited by your insurance company, because it will cost them a lot of money to cover your bills. Even though you’ve paid your premiums, there may still be problems when you least need the extra aggravation.
At that point, you need an attorney that can help you receive adequate compensation for your injuries. By calling our law firm today, you can receive a case evaluation so you will know how to proceed. Our attorneys have the experience you need to handle your uninsured motorists case, allowing you to get needed treatment and fair compensation for the pain and suffering you have experienced. It is not necessary to simply suffer through the pain of an accident, the medical bills that pile up, and those lost wages. There is help available in an uninsured motorist injury case.