Who Will Pay If The Driver Is Uninsured During The Car Accident.

Car accidents can be a traumatic event for the victims. Not only does it put their life at risk, but it also causes them severe economic and non-economic damages. Reasons such as distracted driving, driving under the influence of alcohol and drugs, drowsy driving, and violating traffic regulations contribute to the high number of car accidents that occur in the United States annually. 

If you have suffered damages in a car accident because of the negligence of another driver, it is essential to consult expert car crash attorneys in Fort Wayne for legal guidance and receive fair compensation. 

Who is held liable for the car accident? 

The driver who caused the accident by breaching the duty of care and driving negligently is held responsible for the accident. It is essential to prove that their negligence resulted in the other driver’s damages. Their insurance compensates you for your losses such as medical expenses, property damage, lost wages, and pain and suffering. However, if the at-fault does not have any insurance coverage, it is necessary to understand how you can receive compensation. 

Ways you can be compensated when the at-fault driver is uninsured. 

  • Uninsured motorist coverage (UIM) 

Uninsured motorist coverage is an add-on offered in automobile insurance policies, and it covers the expenses you incurred in a car accident with an uninsured at-fault driver. It consists of uninsured motorist bodily injury and uninsured motorist property damage. It is recommended to have uninsured motorist coverage even if it is not mandatory in your state since it provides you with complete protection. This coverage does not exceed your standard liability coverage amount. 

  • Underinsured motorist coverage. 

This coverage can help compensate you if the at-fault driver’s insurance is insufficient to cover the extent of your damages. 

  • Personal injury protection (PIP) and Medical Payments coverage. 

These claims are filed against your own insurance company to compensate you for the damages you suffered in the accident. However, if you make a claim against the driver and recover the losses you suffered, you may be required to pay back your insurance company for the PIP/MedPay benefits it provided you. 

  • File a lawsuit against the at-fault driver. 

You can file a lawsuit against the other driver and recover damages from their assets. 

After a car accident, it is necessary to consult a car crash attorney that can review your case and provide you with advice on the best legal route to take. They understand the impact of the damages you suffered on your future and ensure that you receive compensation to reduce the financial strain and distress.