Dealing With Uninsured Motorist Accidents

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Dealing With Uninsured Motorist Accidents

Car Insurance Word

There are thousands of car accidents every year, and in most of these cases, both of the parties involved will have car insurance to cover any resulting expenses. In cases where one or the other doesn’t, especially when the at-fault driver in the collision doesn’t have insurance, though, things can become much more complex.
At the offices of Matthew Jube, we can help if you’ve been in an accident where the at-fault driver did not have insurance. Let’s look at some steps you can take, and basic things to know from our personal injury attorney.

Take Action

Unfortunately, a common myth has circulated around some popular circles that you shouldn’t sue an uninsured driver because there’s no point. Simply put, this is often false.
Even in cases where you are unable to identify the actual at-fault driver, such as in a case of a hit-and-run (these are commonly due to uninsured drivers who do not want to be caught), there are still things you can do. You can file an uninsured motorist claim against your insurance provider, and there might be other steps you can take as well. Your personal injury lawyer can help you with the specifics here.

Damage Classifications

When you make an uninsured driver claim to your insurance company, know that they will almost certainly fight you on it. They want to give you the lowest amount possible, as this is not a service you’re actively paying for. These are areas they’ll do their best to avoid covering:

• Punitive damages: To punish the offender for reckless driving or similar behaviors that should be eliminated in the future.
• Nominal damages: For any suffering, you undergo beyond injuries.
• Full repayment: Most policies will have a cap, usually $15,000 for personal injuries and $30,000 for total injuries.

Personal Injury Lawyer

Getting legal aid from a personal injury attorney is vital in one of these cases. You often have a very short window for filing a successful claim, and your attorney can help you do this properly and within the right deadlines.
For more on how we can help here, speak to the staff at the offices of Matthew Jube today.