Understanding Uninsured Motorist Situations
Many clients contact us following an auto accident to report that the at-fault driver lacked car insurance. Unfortunately, an uninsured at-fault driver is a common problem.
This situation presents obvious difficulties when property damage or personal injuries are involved. Fortunately, there are solutions available.
Bringing an Uninsured Motorist Claim
Filing with Your Own Insurance
The simplest solution is to file an uninsured motorist claim with your own auto insurance carrier. This claim would cover injuries caused by the wreck.
Property damage may also be covered if you have collision or comprehensive coverage. If you were a passenger in another person's vehicle, you might be covered under their policy or your own.
Addressing Concerns About Claims
Some individuals are hesitant to file a claim with their own insurance company. However, remember that you pay for such coverage specifically for this scenario.
Such claims are also unlikely to affect your premiums.
Pursuing the At-Fault Driver Personally
Challenges of Direct Collection
Another, more complex, solution involves attempting to collect directly from the driver who caused the accident. This often requires filing a lawsuit and obtaining a judgment.
This process can be time-consuming and costly. Furthermore, collecting on the judgment can be highly problematic if the at-fault driver has few or no assets.
