No one ever wants to be in any sort of car, motorcycle, or bicycle crash, but if you are, ideally the at-fault driver carries an adequate amount of liability insurance coverage. They cover your expenses, and you don’t pay a dime. Research shows though that 20% of Arizona drivers are uninsured. That’s a 1 in 5 chance of getting into an accident with someone with no insurance. In that case, what do you do?
You have the right to add uninsured coverage to your own car insurance policy. This coverage can be used when the at-fault driver doesn’t have any liability coverage, or in unique situations where their auto policy does not cover them even though they were at fault for causing the crash. Uninsured coverage can even be used in hit-and-run situations where you are not sure who the at-fault driver was.
When you use your uninsured coverage, it covers the same sorts of expenses you would expect the at-fault driver to cover, such as your medical expenses, lost wages, and pain and suffering.
Filing a Lawsuit
Unless you live in a no-fault car insurance state, you have the option of filing a lawsuit against the at-fault driver. Arizona is not a no-fault car insurance state.
Individuals who attempt to file a lawsuit without an attorney often find themselves at the end of a losing battle. Most people who aren’t insured don’t have much in the way of assets, and there’s no guarantee you’ll be able to collect any money. This is why carrying uninsured coverage as part of your own automobile policy is so important.
Hiring an Attorney
If you’ve been in a serious accident with an uninsured driver seek an attorney immediately. A good lawyer can obtain necessary evidence related to the collision and your damages, evidence that you may not even know you need.
A good injury lawyer will be able to properly negotiate a possible settlement for you. They understand the worth of the case, and how much it will take to fully compensate you for your damages.
What to Do
Have you been seriously injured in a car, motorcycle, or bicycle accident involving an uninsured driver? Contact The Silkman Law Firm today. We understand your case and will pursue every option available to you so you’re compensated for your losses. Contact us for a free consultation today.