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Car Accident Lawsuits: Considerations And Options In The Event Of A Crash With An Uninsured Driver

27 October 2022 by Franklin Vasquez

Many car owners prefer to get a standard auto insurance plan. Nonetheless, if you upgrade to coverage that protects you if you collide with a driver who isn't insured, your reimbursement is typically guaranteed after an accident with an uninsured motorist. You'll need to file a legal claim with your provider to seek reimbursement. And even though the days immediately following an accident may be chaotic, victims can generally take some comfort in the knowledge that the liable party will be held accountable. They should then provide payments for treatment expenses, pain and suffering, and wages lost. Sometimes, the victim can get reimbursement due to having a separate personal injury protection plan. 

So, what would happen if the motorist at fault lacks an auto policy to cover these expenses? This post will outline options you may consider if you find yourself in such a situation.

Paying for the Treatment With a Health Policy

If you've been a victim of such an accident, your health insurance coverage can pay for your treatment. Whether you bought the coverage independently or via your employer, it can cover your medical expenses. This is why it is important not to disregard the significance of these plans. They can prove invaluable and save you money even when you wouldn't expect to need them. But, you should involve a lawyer to help you file a claim in order for you to get compensated.

The Employer Can Work With You With Regard to Loss of Income

Some employers are willing to assist employees who have been injured in accidents. Through legal help, such an employer may give you adequate time off as you stay in the hospital or at home to recover. They can then apply your accumulated personal or vacation days as you recover from your injuries. In such a case, the employer will continue to pay your salary as they would if you were on vacation or leave. This option is more viable for victims recovering from minor injuries.

Filing a Lawsuit

If all drivers in your state are required to have an auto insurance policy, you can file a case against the liable party for being negligent and not complying with the law. Even if they claim that they had forgotten to renew their plan or prioritized other more urgent expenses, you may sue them. To this end, you'll need their license plate number, of which you can take a photo at the accident scene, or you can get the details from the police who respond to the scene after your call.

Since accidents that involve uninsured drivers are especially multi-layered, ensure that you work with an attorney to evaluate your options. The car accident lawyer will outline all your viable legal options with the aim of helping you to get reimbursement.

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