When you’re involved in an auto accident, your first thought might be that, though your car is in bad shape, at least you’ll be able to file a claim with the other driver’s insurance company. Then you’ll receive a settlement check to recover from your accident and pay your expenses.
Unfortunately, maybe you discovered that the other driver doesn’t have insurance, which severely limits your options. So, what happens after you’re hit by an uninsured driver? First, you’ll negotiate with your insurance, but you’ll also need to be prepared to go after the at-fault driver in civil court in order to obtain your rightful compensation. A qualified and experienced car accident lawyer can help.
Just because the other driver doesn’t have insurance doesn’t mean you’re out of options yet. Your first option will be to turn to your own insurance company, as that’s what they are there for.
In a typical car accident, you’ll be able to file a claim with your own insurance company, which will settle your claim and seek compensation from the other insurance company in a process called subrogation. However, if the other driver has no insurance company, that’s not an option.
Instead, you’ll need to contact your insurer about your uninsured motorist coverage. This coverage means that, if a driver is uninsured or even underinsured, you’ll still be covered by your insurance company. If you don’t have this coverage, though, you’ll need to file a claim in civil court for your compensation.
When subrogation isn’t an option, you’ll have to take your claim to civil court. In order to build a successful claim, you’ll need to gather evidence that shows the other driver was responsible for the accident, and that the accident is what brought about your damages and suffering.
You’ll need to be careful to protect your claim against accusations of fault. The other driver may claim that you were partially responsible for the accident, which can leave you with reduced compensation amounts. This is what’s known as comparative negligence.
For example, the other driver might accuse you of driving distracted, which left you unable to avoid the accident. The judge might find you 10 percent at fault, which will leave you with 90 percent of your total compensation. That percentage can result in thousands of dollars you need for recovery.
When you’re hurt in a car crash, chances are good that you’re struggling with major injuries and trauma. Nothing can take away that pain and emotional damage, but you should receive compensation to cover your costs and help you pick up the pieces of your life. Unfortunately, the other driver could have been uninsured, which leaves you with fewer options to recover.
Fortunately, with a lawyer from Craig Swapp & Associates, you’ll give your claim the best chance at success. Starting with a free consultation, our attorneys will discuss your options and help you get the compensation you deserve for your accident.
Ready to get started? Reach out to us. We can be contacted by calling 1-800-404-9000 or by completing the online form below.