Being hit by a negligent driver is bad enough but being hit by a driver who does not have insurance can be worse. According to a 2021 report from the Insurance Research Council, one in eight drivers does not carry insurance. Uninsured and underinsured motorist insurance coverage can help.
Help when you have been hit by an uninsured motorist
Drivers who have been injured by an uninsured motorist may suffer out-of-pocket expenses including medical bills, deductibles and lost wages. Uninsured motorist coverage can help with medical bills, lost wages, pain and suffering damages and car damages in some situations. Funeral expenses may also be available under circumstances of a fatal car accident.
In situations where the negligent driver has car insurance, injured victims may be able to bring a personal injury claim for damages against the negligent driver for their damages. When the negligent driver does not have car insurance, they may need to make an uninsured motorist claim on their own insurance policy, which can be a challenging situation.
Uninsured motorist coverage can help when a driver does not carry liability car insurance, when a driver does not carry enough car insurance to cover medical bills or if the negligent driver’s insurance company denies coverage or is out of business. When you have been injured by a negligent driver who does not have car insurance, problems can quickly pile up.
Car accident damages can be extensive, which is why car insurance is important and uninsured motorist coverage can be even more important for victims.