Someone struck your car, resulting in severe damage and fatalities. You contacted 911 to report the accident because it did not knock you out cold. You request the other driver’s contact details and insurance information as you wait for help to arrive. You take down the specifics of their licence and identification documents.
You have held up, taking the sad occurrences in stride until the driver throws the bomb. They let you know that they are uninsured. That admission breaks your heart. You start to wonder how you will get out of the problem as you begin to feel the responsibility in front of you, probably making your injuries worse.
80% of drivers are uninsured. Most drivers who lack insurance are unable to pay for it. Some drivers, however, disagree with the concept of auto liability insurance or think they are such safe drivers that they won’t require it.
If you were injured in an accident with an uninsured motorist and seek compensation for your damages, a negligent uninsured party might make your claim more difficult.
Suing an uninsured driver may not always be worthwhile because you won’t get paid even if you win your case.
A Philadelphia, PA car accident attorneys can help you submit and support your claim and identify your legal choices.
What Alternatives Do You Have?
Depending on particular circumstances, you have a few possibilities. You can submit a claim to your insurance company (UM) if you have uninsured motorist coverage.
Most states don’t mandate UM insurance. Although it can be added as extra insurance to a standard liability policy, not all drivers have it.
Nobody ever plans to get in an accident, much less one that an uninsured driver brought on. In this case, you can file a lawsuit against the uninsured driver to get your damages paid.
Is it Worth It to Sue an Insured Driver?
After an accident with an insured driver, there is financial responsibility. But the main issue is: Should you file a lawsuit against an uninsured driver?
Once more, it depends on a few variables. It might not be worth it to find out if the driver has the means to cover your losses. If the driver has assets you can realise to cover some or all of your damages, you may be able to sue them. It’s more likely that the motorist won’t be able to pay you if they don’t have the required level of liability insurance.