Last Updated on May 17, 2022 by rabiamuzaffar
Having car insurance provides a certain level of relief that even if something goes wrong, your coverage will help you pay your medical bills and other damages. If you drive a car, you are legally required to carry a minimum amount of car insurance. However, several drivers do not have one.
Now, what if you are involved in an accident where the at-fault driver does not have insurance? Victims usually expect the responsible party to pay for their medical bills and other losses using their insurance. If you get involved with someone who does not have insurance, car accident attorneys Los Angeles can discuss your available options with you.
Handling A Car Insurance With An Uninsured Or Underinsured Driver
While dealing with an uninsured or underinsured driver, you need to follow the same steps as you would in the case of an insured one. Make sure you call the police to the accident scene. They can investigate the site and gather official evidence that you can use in court.
If you are hurt, seek immediate medical attention. Even if your injuries are not visible, go to a doctor for a body check-up for any internal injuries. It is crucial to document your injuries to get the proper medical compensation.
If possible, try talking to witnesses and gathering information such as pictures of the scene, vehicles, and your injuries. These will help in case the at-fault driver denies the accident.
Uninsured Motorist Coverage
Despite it being mandatory for vehicles to carry car insurance, many drivers drive without one or do not have enough insurance. Your best shot at financial protection here is UIM coverage. A UIM coverage can pay for your expenses, given that you have one. But remember, a UIM only pays for your car accidents injuries, not for repairs and replacements in your car.
Your insurance company will ask for proof of your injuries and medical expenses and conduct an investigation. You can hire a car accident attorney if you feel your insurance company is reducing the value of your claim.
Filing A Lawsuit Against The At-Fault Driver
You can file a lawsuit against the defendant in case you do not have UM/UIM insurance. However, it is unlikely that a person who could not afford their car insurance will be able to pay your compensation. For example, if the defendant has a low income and no assets, there are no ways for them to pay you back. Therefore, before filing a lawsuit, it is important to determine why they did not have insurance in the first place; otherwise, you would just be wasting time.