You’re on your way to work when you’ve suddenly been hit by another driver. Luckily, the crash was not your fault. Whatever damage has been done to you or your vehicle will be paid for by the other driver’s insurance, but what happens if the other driver is uninsured?
A study done by the Insurance Research Council found that in 2009, one in every seven drivers was uninsured. Most states require that a driver have automobile insurance, yet some people find a way around it. This lack of coverage can cause hardships for you and anyone else injured in a crash.
Each state has their own consequences for drivers who are uninsured, but in most states it is a criminal offense to drive without automobile insurance. When an uninsured driver causes an accident, they will most likely be unable to depend upon an auto insurance carrier to defend them against any lawsuits stemming from the accident.
How Can You Protect Yourself?
To avoid the hassle of dealing with an uninsured driver, check to see if your insurance provider has uninsured or under-insured motorist coverage. Also, check to see if your state has no-fault laws. This means that the driver or their insurance has to pay for any damages or injuries no matter who is at fault. The most important thing is to make sure you have the proper coverage if involved in an accident with an uninsured driver.
If you or a loved one has been injured in an automobile accident, contact the offices of the McMinn Law Firm to set up an appointment today.