What Happens If the Person Responsible for My Injury Doesn’t Have Insurance?
Even if the at-fault party doesn’t have insurance, you may still have options. You might be able to use your own uninsured/underinsured motorist coverage, or we could file a lawsuit directly against the person responsible.
“I was recently in a car accident, but the responsible party was uninsured. What can I do?” Thankfully, you have several options for recovering compensation.
Whether you’re involved in a minor fender bender or sustain life-altering injuries in a serious crash, it’s important to figure out your first move.
A common avenue for people in this situation is to file a claim with their own auto insurer. Check to make sure your policy offers uninsured/underinsured motorist coverage. If so, your insurance company could reimburse you for any accident-related medical costs, property damage, lost wages, and other losses.
Contact your insurance company shortly after the accident and tell them about the uninsured defendant. If you carry uninsured motorist coverage, your provider could compensate for your losses up to the policy’s coverage limit.
Explore Your Legal Options With an Attorney
What happens if your insurance provider won’t approve your personal injury claim? Because the responsible party was uninsured, you can’t reach out to another insurance company in hopes of receiving a payout. Should you accept someone else’s financial liability?
It may be possible to file a civil lawsuit against the at-fault driver. Bear in mind that suing the uninsured driver comes with its challenges and may not yield your desired outcome.
Drivers without auto insurance may not have enough assets to pay someone who sues them. Nevertheless, it’s worth consulting a lawyer about all your options.
You may feel as if you’re at a loss when the at-fault driver doesn’t carry insurance coverage. However, other parties could be held liable, making it possible for you to seek compensation.
Perhaps someone rear-ends your vehicle, but evidence reveals that their car has faulty brakes. Vehicle maintenance professionals or even the car’s manufacturer could be responsible for your injuries. Review the details of your case with a personal injury lawyer and receive personalized advice for pursuing compensation.
Contact Our Pennsylvania Personal Injury Lawyers for Guidance
It can be upsetting when you’re in a car accident for which the responsible party was uninsured. This doesn’t necessarily mean that financial compensation isn’t available. Reach out to Ostroff Godshall Injury and Accident Lawyers to discuss your case with an experienced professional.
From reviewing evidence to filing civil lawsuits, we’re here to help our clients seek justice, every step of the way. Call (484) 351-0350 to request a free consultation.
