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How to be Reimbursed by an Uninsured Driver

Woman covers her head in grief while standing next to a man and looking at their damaged vehicles that collided

Being involved in a car accident is never an easy or fun experience, and it’s made even worse when someone else is at fault. In addition, if the person who hit you doesn’t have car insurance, you may wonder if there is any recourse you can take to be reimbursed for your losses.

Luckily, many insurance plans prepare for this sort of circumstance and build certain ramifications into policies to protect policyholders from accidents with uninsured drivers.

Uninsured Motorist Coverage

Uninsured motorist coverage is designed to help you pay for medical care and property damage costs if you become involved in an accident in which an uninsured driver is at fault.

It is likely that you’ll find out whether the driver you collided with has insurance directly after the accident. Regardless of who is at fault, you should always get the other party’s insurance information after an accident.

If the other party expresses they don’t have insurance, it is in your best interest to make an uninsured motorist claim on your insurance policy right away.

Underinsured Motorist Coverage

Underinsured motorist coverage is designed to assist you in paying for your medical bills and property damages when the driver at fault doesn’t have enough liability coverage to pay for your losses. Ultimately, this kind of coverage exists in order to bridge the gap between what your bills and expenses actually are and the insurance coverage limits of the driver at fault’s policy.

For instance, if you sustain medical and property damages that amount to $30,000 and the at-fault driver holds a liability policy for $20,000, you will need to file a claim with your insurance company for the remaining $10,000 that isn’t covered.

If you’ve been in an accident and you sustained injuries due to someone else’s negligence, you may be entitled to compensation. The attorneys at the Law Offices of Larry S. Buckley are highly skilled in car accident claims and can help you receive the compensation you deserve. Don’t hesitate to contact us about your case right away.

Contact the Law Offices of Larry S. Buckley today at (530) 413-0245 to speak with an attorney about your personal injury case.