When someone without auto insurance causes an accident resulting in your injuries, you may have a couple of options available to you, either through your own insurance or through a personal injury lawsuit. Your options depend on the extent of your injuries and whether or not you have uninsured motorist coverage (um) or underinsured motorist coverage (uim) as part of your insurance policy.
Whether you carry um or uim often depends on whether your state requires it as part of your required motorist coverage. Some states, like New York, require a minimum of UM or UIM for all licensed drivers, while others, like Florida, do not. Since we share the roads with uninsured drivers, it’s best to be prepared in case someone hits you and you don’t have insurance.
how uninsured motorist coverage might help you
All states require insurers to offer this type of coverage because it can be vital when drivers experience hit-and-runs or accidents with uninsured drivers. Sometimes um/uim policies even help in cases of uninsured or underinsured motorists and help fill in some of the gaps left by the other driver’s policy.
You can review your own auto insurance policy to better assess your position in the event that an uninsured or underinsured driver causes a collision with you on the road through negligence or recklessness.
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personal injury protection (pip) versus uninsured motorist coverage (um) and underinsured motorist coverage (uim)
Some states require motorists to wear some form of personal injury protection (PIP) in the event of an accident. This policy may extend coverage for some of your medical expenses and lost wages after a car accident, regardless of who caused the accident, but the amount you receive may not help you much financially.
With serious injuries that result in continued medical care and longer periods of missed work, you have the right to seek additional compensation from the at-fault party that caused the accident through your insurer.
Uninsured motorist coverage helps ease that financial burden if the at-fault party doesn’t have any auto insurance. coverage amounts for uninsured motorists may have higher amounts than pip offers. depending on the state you live in, you may need to carry both pip and um/uim. In states that don’t require um or uim, insurers usually include it in their policy for added peace of mind.
serious injuries after car accidents
Even if you live in a state that does not require UM or UIM and you do not have UIM or UM coverage, the extent of your injuries may qualify you to file a personal injury lawsuit to recover your economic and non-economic losses.
These types of lawsuits require you to prove the negligence of the other driver by showing that they breached a duty of care, caused the accident through this breach, and that your resulting injuries caused you great financial strain. if you are seriously injured in a car accident, or a personal injury claim may also allow you to collect compensation for non-economic losses, such as pain and suffering.
Serious injuries that are common in car accidents include:
- head and brain injuries
- internal bleeding
- organ damage
- limb amputations
- spinal injuries and paralysis
Any medical bills you have for your treatments for these injuries count as an economic loss. A car accident attorney can estimate your financial losses and determine how much compensation you should seek from the uninsured driver who hit you. our attorneys can also establish the value of non-economic losses, such as pain and suffering, and add that to the total you are trying to collect from the responsible party.
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how a lawyer can help you present your case
Your injuries and other calculable losses can help you prove your case. You can use police reports and insurance adjuster investigations, as well as other evidence, such as photographs, eyewitness statements, and video footage, if available.
This can serve as evidence to show negligence on the part of the other driver, and an attorney can conduct further investigation after the accident if you seek legal representation. Having a car accident attorney guide you through this process can help you gather the evidence you need to file a personal injury claim against a negligent driver.
other ways our attorney can help you
Your attorney at ben crump law, pllc, can handle all communications with the uninsured and their legal representatives on your behalf. They can also represent you at all meetings, handle important case paperwork, and file your lawsuit within the state’s statute of limitations. They can answer your questions, update you on any changes to your case, and explain any complex laws that may apply.
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let ben crump law, pllc handle your car accident case
Our team of car accident attorneys at ben crump law, pllc, wants to help accident victims receive the compensation they deserve when they suffer someone else’s negligence on the road.
If you were injured in a car accident due to the negligence or recklessness of another driver, but you don’t have auto insurance and your policy doesn’t cover uninsured motorists, we can help you file a personal injury claim.
terms of statutes of limitations
Our dedicated attorneys can review your car accident case for free to help you determine your legal options. statutes of limitations apply in many states to personal injury cases, so the sooner you call us, the sooner we can start working on building a compelling case. If you wait too long from the date of the accident to file a lawsuit, you may lose the opportunity to pursue any legal action.
Call us today for a free consultation
We work on a contingency fee basis, so we collect payment only if we secure financial compensation on your behalf.
For a free, no obligation case evaluation, call ben crump law, pllc, at (800) 598-7557 to speak with a team member today. we can answer any questions you have as you consider your next steps.
call or text 800-598-7557 or fill out a free case evaluation form