Having a serious car accident is traumatic even when both parties have auto insurance, but what happens if you’re hit by an uninsured driver? Indiana law requires liability coverage, but a significant percentage of drivers on the road don’t have it. Some may purchase insurance long enough to have their cars registered and then let it lapse. Regardless of how they dodge the law, their lack of liability insurance can become a major problem when an accident involving physical injuries or property damage occurs.
First, Check Your Own Insurance Policy
While it’s not legally required in Indiana, optional uninsured motorist coverage is available from insurance carriers. Once you have determined that the at-fault driver doesn’t have insurance, examine your own auto policy to see if it will cover the damages you’ve suffered. In most cases, an uninsured motorist policy will cover your medical expenses, so you won’t have to resort to a lawsuit to pay for your treatment. Some policies will also pay for lost wages and pain and suffering. Unfortunately, filing an uninsured motorist claim with your provider may prove to be frustrating. Because it’s a total loss for your insurance company, you may be offered a settlement amount that falls short of your needs. Under certain circumstances, you can take legal action against your own insurance provider for damages caused by an accident involving an uninsured motorist. An experienced automobile accident lawyer will know how to determine if you’re eligible for additional compensation.
Taking Legal Action Against the Uninsured Driver
If you don’t have uninsured motorist coverage through your insurance provider, you can still attempt to sue the at-fault driver for damages. In many cases, this can be a challenge. The reason most uninsured drivers lack proper liability coverage in the first place is because they cannot afford it. Although they’re legally responsible for damages caused by the accident, they probably don’t have sufficient assets to cover them. However, all is not necessarily lost; some settlements allow you to receive compensation through the driver’s future garnished wages. If you plan to take an uninsured driver to court, you need a skilled lawyer who has dealt with cases like yours and who knows how to approach the unique challenges and get real results.
You Don’t Have to Face the Challenge Alone
If you’ve been in an accident caused by an uninsured or underinsured motorist, we are ready to help. Jacobs Law, LCC can unravel the confusing details and insurance policy specifics involved in your case. We’ll work with insurance companies, medical professionals, and others to help you get through the difficult ordeal that follows a serious accident. Whether you feel that your insurance company has not fully honored its uninsured motorist policy, or you’re ready to take legal action against the at-fault driver, we have the expertise and the resources to help you recover the money you deserve for your physical and financial injuries. Call us today at 317-520-9283, or fill out our online contact form to request your free consultation.