Your life can be impacted in many ways if you are injured after a serious car accident. The physical and mental harm can last for weeks or even months. If you have sustained severe injuries, you may even be left with a permanent disability. One thing that might complicate your case even further is if the at-fault party does not have car insurance. You may be wondering what your options are if you find yourself in this situation. An experienced car accident attorney like one from Yearin Law Office can help lay out your options so that you can take legal action and pursue the person responsible.
These are some of your options if you get injured in a car accident and the at-fault driver does not have insurance or has no insurance at all.
Use Uninsured Motorist Coverage
Some states require that motorists have uninsured motorist coverage as part of their car insurance policy. This is to protect drivers in the event that they are struck by another driver that does not have car insurance.
Use Underinsured Motorist Coverage
Underinsured motorist coverage gives drivers protection if the at-fault driver has insurance, but their coverage is not enough to pay the full cost of damages. While this does protect you from having to pay any remaining expenses, it might not be enough to cover every cost. Keep in mind there is no guarantee that the insurance company will approve your claim.
Go Through a Third Party
If you do not want to go to court, meeting with an arbitrator may be an option for you. An arbitrator is a neutral party that investigates your case and determines a solution. For example, if you would like a second professional opinion after an initial evaluation of your case, you can go through the arbitration process. This way you can try to settle with the insurance company so that you can obtain a settlement without going through the hassle of taking legal action.
Hire an Experienced Car Accident Attorney
Your case may be a little more complex if the at-fault party doesn’t carry car insurance or has insufficient insurance. These situations can be tricky and hard to resolve. Sometimes your insurance company may not be willing to give you a fair deal at all. They will look after their best interest and will not go out of their way to offer you the right compensation. For personalized help, contact a top car accident attorney to assist you with your claim.