When you get into an auto accident, you always expect the other car or vehicle to be insured, but it might not be the case every time. We should not always rely on other drivers to have proper insurance, but it is essential to know the options when you get into an accident with an uninsured driver.
If you get involved in an accident with an uninsured driver, contact accident attorneys in atlanta.
Who pays for your damages when the other party does not have insurance?
You have to follow the same procedure for any other car accident when the other driver is uninsured. Make sure to visit a doctor if you get injuries. Call the police and file a report. The report will contain evidence that you can use against the “at-fault” driver.
Take pictures of the scene, injuries, and the damaged vehicle. Photos or videos are beneficial in providing evidence if the other driver denies causing the accident. Make sure you report the incident to your insurance company. If the other driver has less to no insurance coverage, you will know what your insurance company can provide you.
- Uninsured or underinsured motorist coverage
Every driver is encouraged to carry the uninsured motorist coverage. Your insurance company will compensate you if any uninsured or underinsured driver causes an accident, provided that you carry this coverage.
If the underinsured driver carries a small amount of coverage, it will not be enough for you to pay all the damages incurred. In that case, underinsured motorist coverage compensates for the damages for what the “at-fault” driver’s insurance coverage could not.
A car accident with an underinsured or uninsured driver is often disappointing; therefore, you should not hesitate to file a claim. Your insurance company will ask for proof in the form of injuries, vehicle damages, medical bills, etc., and conduct an investigation. If you feel like your insurance company is underpaying you for the damages, you should hire an accident lawyer.
- File a lawsuit against the driver
Not every state has the requirement to carry underinsured motorist coverage. So if you do not have the coverage, you can file a lawsuit against the “at-fault” party. Your accident lawyer will guide you through all the steps of filing a lawsuit. Your lawyer will help you compensate for the damages that occurred due to the other party’s fault.
- File a claim against the Vehicle manufacturer
If the accident has occurred due to a fault in manufacturing the vehicle, then you can file a claim against the vehicle company and seek compensation for the damages. Vehicle manufacturers are required to build safe cars to drive on the road.