Getting into a car accident can be a traumatic experience, both physically and emotionally. If you are not at fault for the accident, you may be entitled to compensation for your injuries, damages to your vehicle, and other losses. But what do you do if the at-fault driver doesn’t have enough insurance to cover all of your damages?
If you are involved in an accident with an uninsured or underinsured driver, you may still be able to recover damages. Check out the different ways you can protect yourself in the event you are in an accident with an underinsured or uninsured driver.
Get Underinsured Motorist Coverage
When signing up for a car insurance policy, be sure to add underinsured motorist coverage to your policy. It can sometimes be bundled with uninsured motorist coverage or sold as a separate package.
Underinsured motorist coverage will help pay for any damages that the other driver’s insurance policy does not cover. This can include medical expenses, property damage, and lost wages. It is important to note that underinsured motorist coverage will only be helpful if you have it prior to the accident.
File a Lawsuit Against the At-Fault Driver
Even if you have underinsured or uninsured motorist coverage for your vehicle, your insurance company may try to low-ball your total compensation. By finding qualified and experienced car accident attorneys in your area, you can ensure the best outcome for financial compensation related to medical expenses, car repair, and even lost wages not covered by the at-fault driver’s insurance policy.
Car accident lawyers will file your lawsuit, gather evidence, mediate with insurance companies, and represent you during the trial to prove that the other driver was at fault for the accident and that their liability insurance is not enough to cover all of your damages.
With qualified and reputable legal assistance from a car accident lawyer, you have much better odds of winning your case and repairing the damages related to the accident.
If you are in an accident with an uninsured or underinsured driver, you must always call the police, even if there is no significant damage or no injuries. With the police on the scene, you’ll have a documented report detailing what traffic laws were broken, a clear statement of who is at fault for the accident, and official evidence proving your right to better compensation in court.
When speaking to the police, be sure to provide them with as much information as possible about the accident. This includes the names and contact information of all parties involved, the date and time of the accident, and a description of what happened.
Be Prepared for Any Type of Car Accident
If you have been in an accident with an uninsured or underinsured driver, you have several options for recovering damages. Be sure to explore all of your options and speak with an attorney if you have any questions.
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