SKIP TO CONTENTAttorney Bryan Garrett discusses a tough but common situation that many car accident victims face: being hit by an uninsured or underinsured driver. If you find yourself in this predicament, it can feel overwhelming—especially when you’re dealing with medical bills, lost wages, and car repairs without the help of the at-fault driver’s insurance. But don’t worry—there are ways forward.
First, it’s essential to check your own insurance policy. Many people don’t realize they may have uninsured motorist (UM) or underinsured motorist (UIM) coverage that can step in when the other driver’s insurance isn’t enough, or if they have no insurance at all. These types of coverage allow you to file a claim under your own policy, covering your medical expenses, lost wages, and other damages. For example, if the at-fault driver only has the minimum insurance but your medical bills exceed that amount, UIM coverage can cover the difference.
If you’re unsure about whether you have UM or UIM coverage, it’s important to review your policy now. If you’re already in the unfortunate situation of being hit by an uninsured driver, your first step is to contact your attorney to understand how you can make a claim under your policy and pursue the compensation you deserve.
At our firm, we specialize in handling cases involving uninsured and underinsured motorists. We’ll help you navigate this challenging process, ensure you know your rights, and fight to get you the compensation you deserve. Don’t wait—contact us today for a free consultation and let us help you recover from your accident.
FAQs
What should I do if I’ve been hit by an uninsured driver?
If you’ve been in an accident with an uninsured driver, first check your own insurance policy for uninsured motorist coverage (UM). This coverage allows you to file a claim and recover damages for medical bills, lost wages, and more.
How do I know if I have underinsured motorist coverage?
Review your auto insurance policy to check if you have underinsured motorist coverage (UIM). This coverage helps you when the at-fault driver’s insurance isn’t enough to cover your damages.
Can I sue an uninsured driver?
Yes, you can sue the uninsured driver, but collecting any judgment may be difficult if they have no assets or means to pay. That’s why having UM or UIM coverage is essential.
What if the other driver’s insurance isn’t enough to cover my bills?
If the at-fault driver’s insurance is insufficient, you can use your underinsured motorist coverage to cover the remaining expenses. It’s crucial to ensure that this type of coverage is included in your policy.
