Handling a Car Accident With an Uninsured/Underinsured Driver

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If you get hit by a vehicle, the at-fault driver’s insurance will reimburse your expenses for the injuries and damages caused by the car accident. However, not all motorists pay for insurance. One in eight drivers doesn’t have coverage based on a 2021 report, presenting potential financial troubles on the road. You may get caught in an uninsured driver accident or one with an uninsured motorist and not know what to do.

How should you approach a situation when the at-fault driver carries no insurance? What about if the other party’s underinsured motorist coverage is not enough to pay your medical bills and vehicle damage? Read on for some ways to approach your tricky situation, and learn how getting uninsured and underinsured motorist coverage can help you deal with the post-accident expenses.

File a Lawsuit

If you’re involved in an accident with an uninsured motorist, one way to secure reimbursement is to file a lawsuit. Note that a case against your opposite party not only holds the at-fault driver liable. You can also file a claim against other contributors to the collision incident. Here are some parties who may be liable depending on the causes of your accident:

  • Vehicle manufacturer for any auto mechanical defects
  • The mechanic who recently worked on the vehicle for failed repairs
  • The vehicle owner who allowed the uninsured motorist to drive their car
  • The uninsured driver’s employer if the vehicle is company-owned

Apply Your Uninsured/Underinsured Insurance

Carrying uninsured or underinsured motorist coverage can save you from future financial headaches. This insurance is a requirement in some states and typically has an amount limit. The policy ensures that your insurance company will cover any damage and injury expenses caused by an uninsured driver accident. It also compensates you if an underinsured motorist can’t pay the full extent of your fees.

Use Your Health and Collision Insurance

Vehicle damage and physical injuries are inevitable in auto accidents. If your road mishap is caused by an uninsured driver, don’t fret. You can get reimbursement through your collision and health insurance.

Your collision insurance can cover the repairs needed by your vehicle caused by the crash. If you’ve sustained serious injuries, coordinate with your lawyer and reach out to your health insurance provider to get compensation for your medical treatment expenses.

Secure Your Future on the Road

Be prepared for any auto-related problems, such as an uninsured driver accident. Contact Cullen Insurance Agency and protect yourself with quality and affordable policies. Our firm offers all kinds of coverage for auto collision troubles, including uninsured/underinsured insurance.

Don’t worry if you ever encounter an uninsured motorist. If you plan ahead, your insurance has got your post-accident expenses covered.

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