Auto Accident and No Insurance? Know Your Rights

Getting into an auto accident with no insurance coverage is a big problem. When a driver decides not to carry the proper motor vehicle insurance, she is putting herself and others at risk. If you are in an auto accident and the other party has no insurance, you should know your rights.

You Have the Right to Have Your Auto Damages and Injuries Covered

If you are in an auto accident no insurance by the driver, you have the right to expect to have your injuries and damage compensated by the party at fault. If they have no insurance, you have a right to sue them personally for damages and injuries.

You Have the Right to an Uninsured Motorist Claim

If you are the victim of an accident in which the other driver is at fault but she does not have insurance, you have the right to file the accident with your insurance company and for your uninsured motorist coverage to cover the damage to your car and take care of any costs relating to injury. An auto accident and no insurance are out of your control. That’s the reason uninsured motorist coverage is offered.

An auto accident no insurance coverage generally would be covered by your uninsured motorist insurance, however sometimes it falls into the underinsured motorist coverage. If you carry underinsured motorist coverage, you might be able to collect for damages that are a result of an auto accident no insurance coverage claim.

You Have the Right to Contact an Attorney

While your uninsured or underinsured motorist coverage is designed to protect you when you are vulnerable because the other party had no insurance or not enough insurance, sadly it doesn’t always work the way it should. You don’t have to take no for an answer. Sometimes a driver’s rights are lost because they settle prematurely with the at fault driver without realizing how this will affect their right to file a claim.

Even if your uninsured or underinsured motorist coverage does pay, depending on the severity you may still need to seek more compensation directly from the driver who had the auto accident no insurance. Your attorney can start the lawsuit for you.

When there is an auto accident no insurance, it can cause a great deal of hardship to the driver that is uninsured. It can also cause a great deal of hardship for any of the other people involved in the accident who are injured. As the recipient of the hardship you have the right to be compensated for your losses, your injuries, and your pain and suffering.
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