• Nov
    Posted in:
    Posted by: Jarve Kaplan Granato Starr

    What Happens if the Person Responsible for a Car Accident is Not Insured or is Underinsured?

    The law requires you to provide proof of insurance when you register your car each year, but that doesn’t mean that every driver on the road is in compliance or has enough insurance to cover the expenses if they cause an accident. If you’re in a car accident and the person who’s at fault either doesn’t have auto insurance or their insurance isn’t enough to cover the costs of the damages you’ve suffered, then you will probably need to make a claim under the uninsured motorist or underinsured motorist coverage in your own policy.

    When you took out your auto insurance, you probably didn’t pay much attention to these provisions, but they are critically important if you end up suffering physical injury or property damage following a car accident with a driver who didn’t take out enough insurance. The good news is that this coverage does exist and is there to make up the difference between the underinsured driver’s insurance coverage and the costs that you incur. You also have the option of filing a personal injury lawsuit against the person responsible for the accident, but the truth is that there are very few people — and especially very few uninsured or underinsured drivers — who have the cash on hand to provide you with the compensation that you deserve.

    Your first indication of what action you will need to take will come immediately after your car accident. Either you or the police (if they are called to the scene of the accident) will ask the other driver for their insurance policy information and contact information. If they don’t provide the information or let you know that they don’t have insurance, then you need to take action immediately, letting your own auto insurance company know that you were injured or suffered damages at the hands of an uninsured motorist. At that point, your underinsured motorist coverage should kick in and pay for your medical expenses and property damages, or the difference between the amount that an underinsured driver has coverage for and what your actual costs are.

    Unfortunately, when you are in a car accident, your costs are not always apparent at the start. You may have injuries with symptoms that don’t manifest until later, or your treatment may require an extended period of time so that you don’t immediately know what your total damages will be. It’s important to gather the information on the other driver’s coverage as quickly as possible so that you are able to determine whether you will need to file a claim under the underinsured driver’s provision of your policy by the deadline that your policy imposes.

    If you are in a car accident and are worried about getting the compensation that you need and deserve, we can help. Contact us today to set up a time for us to meet and discuss the specifics of your case.


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