If you happen to be involved in a car accident with an uninsured driver, there are some important things to know about your rights and responsibilities. Personal injury lawyer in Cayuga will help you understand what happens when you get into a car accident with an uninsured driver.
Uninsured Motorist Coverage
First, let’s talk about uninsured motorist coverage. If you have this type of insurance, it means that your insurance company will pay for damages caused by an at-fault driver who doesn’t have insurance or has less than the required minimum amount of coverage. It’s important to note that even if the other party doesn’t have liability insurance, they may still be legally responsible for paying for damages. This is because many states have laws requiring drivers carry certain amounts of liability insurance (such as $25,000).
Uninsured Drivers Can Cause Serious Problems for Insured Drivers
If the other driver was uninsured or didn’t have enough coverage to pay for your damages, then there are two possibilities: either she’ll have to go through her own insurance company or file suit against her own assets. The problem is that this may take months or even years to resolve. And meanwhile, you’re left with no way to pay for your repairs or medical bills.
In Canada, drivers must carry liability insurance that covers damage they cause to other vehicles and property. The minimum amount of coverage varies by state, but it’s usually not enough to cover all the damage caused by a serious car accident. Some states have passed laws requiring drivers to carry additional uninsured motorist coverage as part of their liability insurance policy. This protection allows victims to recover compensation for damages when the at-fault driver doesn’t have enough insurance or doesn’t have any at all. Even if your state doesn’t require UM coverage, it might be a good idea to purchase it anyway as protection against uninsured drivers who don’t want to pay for damages they cause because they can’t get insurance coverage due to poor driving records or other factors that make them risky customers for insurers.
You May Be Able To Sue The Other Driver
If you’re seriously injured in a crash with an uninsured driver, sue them! This is one way to get compensation for your injuries and property damage from someone who won’t have any money to pay you back. In Canada, it’s illegal for drivers to drive without insurance or proof of financial responsibility; therefore, a lawsuit against them could result in a judgment against them for damages (including medical bills). If they have assets that can be seized by the court (such as real estate), those assets may be sold off and used to pay off judgments against them.