If you have been injured or suffered damages in an accident with a driver without insurance, you may be asking yourself, “Do insurance companies go after uninsured drivers? Is pain and suffering awarded after a minor accident?” and any number of other questions.
At The Barnes Firm, one of the best San Diego car accident lawyers, the professional personal injury attorneys explain the importance of knowing about your car insurance coverages as well as the other driver’s coverage. In most cases, your insurance or the other driver’s insurance will pay, at least part, of the cost of medical treatment and repairs for your vehicle.
Which brings other questions to mind, “What if the other driver is at fault and has no coverage or not enough? What if the other driver caused a hit-and-run and you are the victim?” Let’s explore what you need to know about uninsured drivers in regard to your accident, injuries, and damages.
Car Insurance Coverage – Uninsured or Underinsured Motorist Coverage
If you are in an accident with a driver who is uninsured or underinsured, you may have to rely on your car insurance to pay for your medical bills as well as your vehicle’s damage, provided you are insured. Depending on your state, uninsured or underinsured motorist coverage may be required. While some insurers must offer it depending on law, in California and other states it is optional. However, having uninsured/underinsured motorist coverage can often help with your expenses.
Uninsured motorist coverage delivers additional coverage when you are in an accident with an uninsured driver who is at fault. Underinsured motorist coverage acts similarly if you are in an accident with an underinsured driver who is at fault. In most cases, uninsured/underinsured coverage cannot exceed your standard liability coverage. Generally, uninsured/underinsured motorist claims must be made quickly within 30 days of the accident.
Car Insurance Coverage – Collision Coverage
Collision coverage, like uninsured/underinsured motorist coverage, is also an addition to your car insurance policy. Collision coverage pays for damages to your vehicle if you are involved in an accident with an at fault uninsured driver or the victim of a hit-and-run driver. Collision coverage does not pay for medical expenses related to injuries.
Should You File a Lawsuit?
If you are involved in a car accident with an uninsured or underinsured driver, you may be wondering if you should file a lawsuit against the at fault driver. First, you should report your accident to your car insurance company to determine your coverage and how it applies to the circumstances of your accident. If your injuries are serious and medical expenses won’t be fully covered, you need to talk to a trusted, experienced accident attorney to explore your options.
Contact an Expert Personal Injury Attorney at The Barnes Firm
If you have any questions regarding your accident with an at-fault uninsured or underinsured driver, call on the professional personal injury attorneys at The Barnes Firm. Their expert attorneys are standing by to guide you, protect your rights, and help you get the compensation you deserve for your injuries and/or damages.
Call today for help 24/7: (800) 800-0000.