Did you know that there are over 6 million car accidents in the USA each year? From fender-benders to multiple car pileups, sadly, car accidents are a daily occurrence.
In many cases, insurance will cover the damage to the vehicles and any medical expenses. However, what can you do if you a person is at fault for a car accident with no insurance? Why not read on to find out the answer.
File a Lawsuit
Even if the other party does not have insurance, you can still pursue compensation in the courts. Litigation is one of the most popular routes that people take in this type of situation. In this case, finding car accident and injury lawyers to represent you is vital.
This type of case allows you to present the evidence for the case in a courtroom environment and have legal documents drawn up to establish guilt. So far so good.
However, if the person does not have the financial means to meet the compensation demand, there may be little more that you can do. A slow drip-feed of money by means of garnished wages may be the best you can hope for.
After all, if the person could not afford insurance, they will not be able to meet litigation and legal costs.
In some states, insurance providers are required to provide PIP insurance. PIP, or personal injury protection, insurance means that as long as you report the injury immediately after the accident, your own insurance company will be required to provide some compensation funding.
While you might feel that you do not want to draw on your own insurance as the premium will rise, you do not need to worry. In most states, insurance companies are not legally allowed to do this.
Unless they can prove that the driver of your car was at fault, they will not be able to raise your premium after a PIP insurance claim.
Uninsured/underinsured coverage is an add on that you can purchase from your insurance company. If you take it and are then in an accident with an uninsured driver, it will cover your injuries.
While this is an optional type of insurance that not everyone chooses to benefit from it does provide extensive coverage. In addition to medical expenses, it may cover lost wages after the accident.
If you have not suffered an accident with an uninsured party yet, you may want to add this to your premium.
A Car Accident With No Insurance: What Happens Next?
If you or someone you love has been in a car accident when the other party does not have insurance, you may feel that you are at a loss. However, a car accident with no insurance does not mean that you cannot get compensation. By following the principles above, you can get the funds that you need to cover your medical costs. If you are interested in learning more about legal and insurance subjects, then we are here to help. We publish articles on these topics each week. Why not take a look at our blog page today.