What to do if you are in an accident with an uninsured driver

Getting into a motor vehicle accident can be very upsetting. In the blink of an eye, you can find yourself dealing with unexpected hospital bills, police reports and insurance agents; on top of all this, you can be without a vehicle if it was completely wrecked or needs to be repaired.

Uninsured? Underinsured?

One thing that can make this situation even worse is if the other driver involved in the accident is uninsured or underinsured. If this happens, you can wind up being even more scared about the financial toll the accident will take on your life. However, there are some crucial things to keep in mind if you are currently dealing with this issue.

Even if a driver is uninsured, he or she may not be the one financially responsible for damages. If, for example, a driver was operating another person’s car, the owner of the car may actually be liable. If a product defect contributed to the accident, there may be grounds to seek compensation from the manufacturer of that defective product.

In some cases, your own insurance can and should cover damages. However, insurance companies often deny claims or offer less than a person deserves in an effort to make money. Thoroughly understanding your policy and coverage limits can be crucial in protecting the compensation you deserve.

Seeking compensation after a crash with an uninsured driver is quite challenging. There are several parties you may have to deal with, which can be intimidating and overwhelming. Thankfully, you do not have to go through this situation alone. 

The attorneys at our firm have the experience and knowledge to help people seek fair compensation after any type of motor vehicle accident, including those where another party did not have adequate insurance. Call the ones for you, OEB Law, PLLC at (865) 546-1111.