What Happens if the At-Fault Driver Has No Insurance?
Car accidents are stressful enough, but what happens when the at-fault driver does not have auto insurance? Unfortunately, this scenario is more common than you might think. According to the Insurance Information Institute, approximately 1 in 8 drivers in the United States is operating an uninsured motor vehicle on the roadways. If you are injured in a car accident caused by an uninsured driver, you may be left wondering how you will cover medical bills, lost wages, and vehicle repairs.
Understanding Uninsured Motorist Coverage
This is where uninsured motorist (UM) coverage comes into play. UM coverage is an essential part of your auto insurance policy that protects you when the at-fault driver has no insurance. In Tennessee, where I practice personal injury law, uninsured motorist coverage is highly recommended — even though it is not required.
With UM coverage, your own insurance company steps in to cover damages that the uninsured driver would have been responsible for. This includes:
Medical expenses for injuries sustained in the accident
Lost wages if you are unable to work due to your injuries
Pain and suffering in certain cases
What About Underinsured Motorist Coveage?
Another crucial coverage to consider is underinsured motorist (UIM) coverage. This applies when the at-fault driver has insurance, but their policy limits are too low to fully cover your damages. If your medical bills and expenses exceed the at-fault driver’s coverage, your UIM policy helps fill the gap.
What to Do After an Accident with an Uninsured Driver
If you are involved in an accident with an uninsured driver follow these steps:
Call the Police - A police report will help document the accident.
Gather Evidence - Take photos, collect witness statements, and note the details of the crash.
Seek Medical Attention - Even if injuries seem minor, get checked by a doctor.
Consult With a Personal Injury Attorney - Navigating an uninsured motorist claim can be complicated. An experienced attorney can help maximize your compensation.
Why You Should Review Your Policy Today
Many drivers do not realize the importance of UM and UIIM coverage until it is too late. Reviewing your auto insurance policy now can save you from financial hardship in the event of an accident with an uninsured or underinsured driver. If you are unsure whether you have adequate coverage, contact your insurance provider — or better yet, speak with an experienced personal injury attorney who can help you understand your options.
If you or a loved one has been injured in an accident with an uninsured driver, do not face the legal battle alone. Contact Cotter Law today for a FREE consultation to explore your legal options and fight for the compensation you deserve!
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