Your Rights in an Uninsured Motorist Accident

Automobile accidents bring with them a melee of stress and emotion. Dealing with an accident when a driver has the proper insurance to cover the incident can make an unfortunate situation more bearable. However, learning that an at-fault accident was at the hands of an uninsured or underinsured motorist can cause stress levels to compound.

According to the Fiscal Times, in 2012 nearly 12 percent of all drivers in the United States were uninsured.  Additionally, it is estimated that drivers who choose to operate a vehicle without proper insurance coverage cost Americans more than $26 billion per year. These costs are typically because insurance companies pass the expenses on to insured drivers by charging them higher premiums.
If you are involved in an accident with an uninsured or underinsured driver the first call you should make is to the police. They will create important documentation that might be needed in the settlement process. Additionally, contact your insurance provider to discuss the terms of your coverage and determine your level of protection.

Car accident

Uninsured Motorist Coverage – This type of coverage is intended to cover all expenses from medical bills and property damage as a result of the accident.

Underinsured Motorist Coverage – This policy will take care of additional expenses if the individual responsible for the accident does not have enough insurance coverage. In essence, it will bridge the gap between what is owed and what the at-fault driver’s insurance policy is able to pay.

Legal Action – Another option is to take up the case in small claims court and sue the guilty party for your expenses as well as any subsequent pain and suffering. It is important to point out that if they are unable to pay for their automobile insurance, it might be difficult to recoup payment for a lawsuit.

If you are the victim of an accident at the hands of an uninsured or underinsured driver it is crucial to seek appropriate legal counsel. Insurance companies do not like to pay for accident claims regardless of whether you are the victim or the responsible party. A qualified personal injury attorney, who specializes in automobile accidents, can help assure that your best interests are being served and you receive the compensation you deserve.

The Morrissey Law Firm, PC, is located in Springfield, Missouri, and focuses in personal injury and wrongful death trial work. If you need a personal injury or wrongful death attorney, please visit our website or call (417) 887-0529 to schedule a consultation.