Even if the at-fault driver was uninsured, you might still have options for compensation available. Find out how to handle your case by speaking with a Spokane uninsured driver car accident lawyer.

Getting hurt in an auto wreck is terrible, and the aftermath is equally so. You could suffer significant physical injuries as well as mental or emotional trauma. Even worse, if the other driver is uninsured, he or she may not have a way to pay for your damages and injuries. Fortunately, a Spokane uninsured driver car accident lawyer from Craig Swapp & Associates can assist you.


Filing a Personal Injury Claim

In most traffic accidents, both parties are insured, so any lawsuit filed against the negligent party would be handled by the his or her insurance company. The insurer would pay for any financial damages awarded through settlement negotiations or trial. However, when the driver does not have insurance, your only legal recourse is to file a personal injury lawsuit against the individual directly.

As with any lawsuit, you should have an attorney represent you since negligence needs to be established. We will need to gather evidence to prove that the other driver was at fault for the accident and that your injuries demonstrates why you deserve compensation. Your case needs to be strong, regardless of whether the responsible driver was insured or not.

The problem here is simple: An uninsured driver might not have many assets, hence the lack of insurance. This means that even if you win in court, there might not be anything to collect. However, if the driver owns a home or any other assets, it is possible to put a lien on the property so that you will receive compensation eventually.


An Uninsured Driver Claim

Your other option is to file an uninsured driver claim with your own insurance policy. To do so, you must first find out if you have an uninsured motorist provision in your current policy. Washington state law requires insurance companies to offer this when you purchase liability insurance, but you are not required to buy it.

If you have uninsured motorist coverage, you can file a claim with your own insurance policy, and they will pay for your medical bills and certain other damages up to your policy’s limits.

Keep in mind that the value of your claim will still need to be established and that your insurance company will likely try to pay you less than what your claim is worth. Even though they are supposed to be on your side, insurance companies are ultimately beholden to shareholders and profit margins. The less they pay out on your claim, the more profitable they will be. As a result, many accident victims still need help from an attorney, even if their own insurance policy is supposed to kick in.


Help from a Spokane Uninsured Driver Lawyer

Get the compensation you deserve by working with an experienced personal injury attorney who knows car accident law. Even if the other driver didn’t have insurance, you might still be able to obtain a fair settlement. Schedule a free consultation to discuss your case with Craig Swapp & Associates by calling 1-800-404-9000 or by completing the contact form below.