Hit by a Driver with No Insurance
If you have been hit by a driver with no insurance, you may be worried about how you are going to manage things financially. Here is what you need to know to ease your mind.
Hit by a Driver with No Insurance | Under Insured Coverage
A lot of our car accident clients have been saved by the fact that they have underinsured and uninsured motorist coverage. There are a lot of people out there driving that don’t have insurance coverage even though the law requires that you do. The question becomes, “What happens if you’re involved in an accident that’s caused by somebody else?” It’s not your fault, it’s caused by somebody else, and that person doesn’t have insurance or that person does have insurance, but it’s not enough to cover your injuries. In that case, we often rely on our client’s underinsured and uninsured motorist coverage to help pay for those costs. One thing I would consider doing is talking to your insurance agent about your coverage limits and making sure that your underinsured and uninsured motorist coverage limits are enough so that they can cover you and your family in the event of an accident.
Hit by a Driver with No Insurance | Uninsured Driver
We’ve had several of our clients that have come to us that were involved in motor vehicle accidents involving drivers and even caused by drivers that did not have insurance. Complicating matters, they were drivers from out of state. That can make recovery difficult. If you’re involved in that situation, and you’re on the scene, you want to get a copy of the police report. Then we can find out what type of identification they have, where they’re from, their address, and all those things. Then we can do what we can to research the issue, and find out whether or not they have any assets that we can go after to recover on your behalf. Another important thing to remember is that you hopefully have underinsured or uninsured motorist coverage. In those cases, if we need to, if the other party doesn’t have insurance, we can use your own policy to help recover for the injuries that were caused to you.
Getting hit by a driver with no insurance does not mean the end of the world. Please call our Phoenix car accident attorneys today for a free consultation.