No one intends on being involved in a car accident. You can do everything right when you get behind the wheel of your car and still end up being hit by someone else. There is very little you can do to control the way others drive, road conditions, and even unexpected situations that often occur when you are on the road. When you’re involved in an accident because someone else was not driving correctly and caused an accident, you have a lot to deal with. It’s even more annoying when you realize you’re now missing work, spending time on the phone with insurance companies, dealing with rental car agencies, and even focusing on medical treatment because of someone else.
It’s not fair, and that’s where an personal injury attorney can help. This is a confusing time, and it’s made even more confusing when you call the police to report the accident and they inform you the at-fault driver doesn’t have insurance. If you live in a state that’s considered a no-fault state, you might not worry so much. Your insurance is handling your accident claim regardless, so it’s not the biggest deal. If the other driver doesn’t have insurance and you’re from a fault state, however, you have problems.
When the Other Driver Has No Insurance
Most people are required to carry insurance for their vehicle even if they own it outright and it’s much older. Unfortunately, not everyone does carry car insurance on their vehicle, and that means bad news for people who are hit by those drivers. If the other driver doesn’t have insurance, it might be helpful to call an personal injury attorney right away just to have someone around to answer your questions.
The other thing you’ll need to do is call your own insurance company. They will pay the costs associated with repairing your car and handling any of your rental car needs or health issues. In most instances, your car insurance agency then sues the insurance agency of the at-fault driver for reimbursement after they help you with these things.
Since the other driver has no insurance, your insurance company might directly sue the other driver. This is usually pointless, but it’s possible. If the other driver has no insurance, it typically means they haven’t the funds to pay out of pocket for any expenses your company is out following helping you handle this issue.
The Stipulations
The big stipulation here is one you cannot ignore. Your own insurance agency might not help you even if the other driver has no insurance if you don’t have an uninsured or under-insured motorist policy on your own coverage. This is a rider many states require you have on your insurance policy, but not all states require this. This means you could be left to handle the cost of repairing your car and your health on your own.
An personal injury attorney will never be of more help to you than in a situation like this. They can help you figure out what happens next, what you can do, and how you can handle a situation of this magnitude. You shouldn’t be responsible for paying for the damages someone else causes to your car, your personal property, and even your body if they have no insurance.
Calling a Personal Injury Attorney
A personal injury attorney is here to help. You are not required to file a lawsuit when you call. You can call for help figuring out the legalities of your situation, to help understand what is going on and how to decipher paperwork you need to file. An attorney can help you with anything you need, and you aren’t required to file a lawsuit.
Accidents are confusing and terrifying enough without the stress of realizing the other driver has no insurance. This is the kind of situation you shouldn’t have to deal with, and it’s one you probably don’t want to handle on your own. Let a professional help you get through this situation correctly and without as much stress as you might face otherwise. It’s not your fault the accident occured.
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