Driving without insurance is not only dangerous, but it is also illegal in practically every country. Despite this, some individuals will be in the terrible circumstance of being involved in an accident and being uninsured. An uninsured motorist accident lawyer can help you determine the best course of action and prevent financial consequences that can follow.
Is there a way to mitigate the financial impact?
Is it possible for an uninsured motorist who an insured driver hits to submit a claim? This article addresses this question and outlines some of the most prevalent concerns.
What Are Some Alternatives to Insurance?
US drivers have quite a few options despite insurance regulations being quite common. A common way to acquire insurance is to acquire bonds or certificates of deposit for an amount set by the state. In cases where these alternatives meet the standard of “financial responsibility,” they may sometimes be legal alternatives.
If you live in a state where health insurance is available, you have some options following a motor vehicle accident. You can still file your claim against the insured motorist if you don’t have insurance. The point to emphasize is that insurance companies will use attorneys and agents to negotiate a reasonable settlement or, if necessary, prosecute the case. Uninsured people may find it beneficial to hire an attorney to handle these activities on their behalf.
Consequences that might occur
As a result of their lack of coverage, uninsured motorists who collide with insured drivers might suffer some sanctions.
If you cannot comply with the insurance options or your state requires insurance, you can still file a claim against the insured motorist. A firm’s failure to provide coverage, on the other hand, is likely to be reported to the state. You are typically required to carry certain levels of insurance. A failure usually results in a fine and a driver’s license cancellation for a certain period.
When colliding with a licensed driver, it may be difficult for the insurance company to communicate with an uninsured motorist. Depending on the state’s laws and the specifics of the accident, you may or may not be liable following a motor vehicle accident. A lawyer should review your case to determine whether you have rights or if the settlement is a good deal. Don’t make assumptions before you consult an attorney.