Subaru WRX STi HR 4

What To Do If The Other Driver Doesn’t Have Car Insurance?

In St. Louis, car accidents happen on a daily basis. Between 2014 and 2016, there were 656 serious injuries caused by St. Louis car accidents. Most drivers trust the insurance companies to handle the aftermath of the car crash. Unfortunately, not all drivers carry the required insurance protection. If you’re involved in an accident with an uninsured driver, there are a few things you should know.

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Going Through Your Own Insurance Is An Option

If you’re in an accident with an insured driver, you can go through the driver’s insurance company to get money for your medical bills and injury expenses. But an accident with an uninsured driver does not give you that option.

To obtain compensation, you may be able to go through your own insurance provider. Uninsured motorist coverage gives you money for your vehicle damage and medical bills. Your insurance company could go after the other driver for compensation, but they won’t involve you.

Filing A Lawsuit For Compensation

If you don’t have uninsured motorist coverage or you aren’t getting enough money to cover your damages, you could file a personal injury lawsuit against the other driver. This is only possible if their negligence caused the accident and you have evidence their negligence resulted in your injuries.

Unfortunately, filing a lawsuit is no easy task. There’s also no guarantee the other driver will be able to afford to pay you. If they don’t have car insurance, it’s unlikely they have enough money to pay you a high settlement amount.

That said, a lawsuit may be your best option for compensation. The at-fault driver could have a lien placed on their home, which would leave you with the money from a future home sale. Although it doesn’t help you immediately, it gives you the potential for future compensation.

If someone besides the other driver was partially responsible for the accident, you have better chances of receiving compensation. For instance, a negligent road crew might have failed to clear their debris from the road. If the debris caused the accident, you can sue them for compensation. Because you would be going through a company and not an individual, you’d be more likely to get money for your accident. They should have an insurance company that will be responsible for paying the settlement.

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How To Protect Yourself

Perhaps the best way to protect yourself from an accident with an uninsured motorist is to carry uninsured and underinsured motorist coverage. Although it could cost you more money in your premium, it gives you an added layer of protection. An accident with an uninsured motorist won’t drain your bank account and leave you struggling to make ends meet.

If it’s too late to get coverage, you should speak with an experienced car accident lawyer. They will explain more about your options for compensation. Furthermore, they will take you through the legal process needed to seek compensation. If you are able to file a lawsuit, they’ll handle all the work and will build a strong case.

No one wants to be involved in an accident. But for many St. Louis residents, there’s a high risk of being involved in a car accident. Your daily commute could put you in danger. While no accident is easy to deal with, collisions with uninsured motorists are particularly challenging and stressful. You can get more information here and learn how a lawyer can help you.

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