What to Do If the At-Fault Car Driver Is Uninsured or Underinsured

Have you ever wondered what happens if an uninsured driver hits you? If you have, then you are not alone in this!

If I have to take the example of Richmond, Virginia, let me tell you something. In the year 2019, the city had around 6,171 car accidents. And this resulted in almost 66,500 injuries or fatalities statewide. And guess what? Out of this, Richmond alone had about 4.7%!

If you find yourself involved in a car accident where the at-fault driver is uninsured or underinsured, consulting a skilled car accident attorney in Richmond, VA, is crucial. Virginia law allows a two-year window from the date of the accident to file a personal injury lawsuit.

An experienced attorney can assist in identifying all potential sources of compensation, including your own insurance policy’s uninsured/underinsured motorist coverage, and guide you through the legal process to ensure your rights are protected.

Timely consultation with a legal professional is essential to navigate the complexities of such cases and secure the compensation you deserve.

Hi. In today’s blog, I will be talking about what are some of the things that you can do in a car accident. And most importantly, what happens if an uninsured driver hits you? So, keep on reading till the end and thank me later…

How Insurance Works: What Happens If an Uninsured Driver Hits You?

Insurance provides a safety net that ensures financial protection in the event of an accident or damage. Ordinarily, drivers have liability coverage for damages they may inflict upon others.

However, when the at-fault party’s insurance is insufficient, complications arise. Knowing the implications when encountering an uninsured or underinsured driver is of the utmost importance when managing this situation.

Your car is crashed by an uninsured driver. In these cases, insurance will be different from the protection of your policy as well as state laws. Not accept a claim directly with the other driver’s insurance company as the latter does not possess the coverage. The options available are as follows:

Uninsured Motorist Protection (UM or UIM)

This is confidentiality in your car insurance policy and it has an influence on the amount of good you can claim from your insurance company. It makes it easy to receive this type of coverage, and for those who are uninsured, they can now afford it.

Collision Coverage

In case you have UM coverage, this type of coverage will be subject to be an attractive point of the balance of the contract, but your insurance company will pay for the car you used to be fixed. However, you will need to add the amount of the deductible to your bill.

Personal Injury Protection (PIP) or Medical Payments (MedPay)

These are the coverage options that protect you and your passengers from the health care costs no matter who was at-fault in the mishap.

Suing the Uninsured Driver

This last option is to sue the person who was responsible for the unpaid debts. However, if the person is not insured, it is highly probable that he will be unable to pay the damages ones after the case is lost.

Impossible as it seems but in some cases you can find your car and medical costs will be paid out of your pocket. What you need to do is not to take a risk with an insurance policy that does not include covering for uninsured drivers.

What to Do After a Car Accident?

It goes without saying that after a crash, safety comes first. Getting medical attention for everyone involved is necessary.

After those immediate needs are met, however, information collection is essential. You can collect contact details, insurance information, and witness statements.

Taking photos of the scene is also helpful in resolving claims or disputes later. It is helpful to understand the process one must follow after a car crash. 

Contacting Law Enforcement

When an accident is reported to the police, an official record of the incident is created. This can be vital, as police reports tend to feature heavily in insurance claims or court proceedings after accidents.

They write down details like weather, traffic signals, and damage. This will help provide more accurate, objective accounts of what happened, which will be useful in case of future disputes or negotiations.

Reporting the Accident to the Insurance Company

Among the first and most crucial steps is quickly informing your insurance company that you were in an accident. Yes, supplying them with comprehensive details can expedite the claims process.

When a policyholder suffers a loss, insurance representatives must guide them through the procedures, explaining coverage options and what may happen next. Communication is the tool to ensure suitable claims

Investigating Uninsured Motorist Coverage

Uninsured motorist coverage protects you when the at-fault driver is underinsured. This sort of coverage protects against financial struggles that can result from damages or injuries; it covers medical costs.

With so many uninsured drivers on the road, reviewing existing policies for this type of coverage becomes necessary in certain areas. Speaking with your insurance agents can provide better insights into what is available and what it can do for you.

Considering Legal Action

Sometimes, pursuing legal action against the other driver is unavoidable, even though litigation may take too long.

Talking to a traffic accident lawyer can help you gather information about potential legal routes to consider.

They look at the possible pursuit of claims, including assessing whether the driver has any assets and whether any recovery of damages is likely.

Examining Alternative Coverage Avenues

Some coverages may provide additional protection beyond uninsured motorist policies. For example, it covers the repair/replacement of vehicles, no matter who is at fault.

The other one is MedPay coverage, which pays medical bills after the accident if you suffer injuries.

Discussing these options with insurance agents can provide complete protection and peace of mind.

Negotiating Settlements

Liaising with the at-fault driver or their insurance company to negotiate settlements involves skill and sensitivity.

It is well-advised to go into the talks with a solid foundation of evidence and documentation. Staying calm helps to reach a winning deal. Involving a lawyer helps ensure you get what you deserve when negotiations have stalled.

Steps to Inclusion to Avoid Problems in the Future

Proactivity reduces risk down the line. Reviewing your insurance policies from time to time will guarantee that you have enough coverage.

Understanding local insurance laws and requirements helps the policyholder stay updated and prepared. Safe driving reduces the risk of accidents and helps create safer roads for every driver.

Know Your Rights And Stay Safe!

Dealing with a collision with an uninsured/underinsured motorist can prove tricky, but one can take steps to ease the burden.

Taking precautionary measures, researching, and investing in suitable insurance policies are key to mitigating financial and legal consequences. Being prepared is also crucial to achieving the best outcome in these unfortunate situations.

Read Also:

• Who Pays Damages in a Hit-and-Run?
• The Most Dangerous Types of Motor Vehicle Accidents