When You’re involved in a Car Accident with an Uninsured or Underinsured Motorist
While most states require a minimum amount of liability auto insurance to be carried by drivers, the Insurance Research Council’s most recent report of uninsured drivers (2001) estimates that 14 percent of the drivers in the U.S. do not carry auto insurance. That means that if you are involved in an auto accident, there is a 1 in 7 chance that the at-fault driver is uninsured. And this does not take into account the disparity of drivers without insurance between states, which may make your chances of being involved in an accident with an uninsured motorist much more likely in one state than another.
Even if you carry auto insurance, recovering the damages from a auto accident can be difficult if the driver at-fault does not carry liability insurance, or is under-insured and, therefore, cannot cover the entire cost of damages you suffered. Most often uninsured drivers do not carry auto insurance for financial reasons. Because this is commonly the case, if you seek legal action against the uninsured driver for your damages and/or injuries, even if your case is successful, you may still be responsible for covering your accident related expenses if the uninsured driver does possess the financial means to compensate you.
If the at-fault driver does not carry auto accident insurance, it is not impossible for you to recover damages. Many insurance providers offer uninsured driver coverage. In some states, this coverage is mandated. This coverage allows you to collect damages from your insurance company in the event that you are involved in an accident with an uninsured or under-insured driver. It is important to contact an experienced accident attorney soon after a car accident because he or she may know about some coverage that you are unaware of.
In some events, you may be able to pursue legal action against your own insurance provider for damages caused by an uninsured driver. Contacting a Wisconsin or Minnesota auto accident attorney who is experienced in handling uninsured driver car accident claims may help you collect fair compensation. An experienced car accident lawyer will know how to look into your insurance policy and determine the right course of action to help you receive the recovery you deserve.
In order to be prepared for a car accident, first check your insurance policy to see if you are covered for uninsured driver accidents. If you are not, ask your insurance provider for information about purchasing this coverage. Be sure to receive the terms of the insurance agreement in writing.
Second, know what steps you should take after a car accident. Be sure to document as much information about the other driver as possible so that you can contact them later. Also, if they have an expired insurance policy, be sure to write down the insurance provider’s information so you can contact them to be certain that the driver's insurance is actually cancelled.
Finally, be sure to choose a Wisconsin or Minnesota auto accident attorney who is experienced in handling your type of claim. An experienced car accident attorney will be better able to help you recover damages if you become involved in an accident with an uninsured driver.