When you are injured in a car accident, filing a claim with the other driver's insurance company is stressful enough. The situation is even more chaotic when the person who caused your injuries made the irresponsible choice to drive without insurance. However, you should not assume that no recourse is available to you. An injury attorney in Stuart, FL can help you understand your options at this difficult time.
Find Out if the Driver Has Other Resources
People often fail to purchase car insurance for reasons that have nothing to do with money. The person who hit you may have had his or her insurance cancelled due to too many accidents or tickets. The driver may also have a suspended license and shouldn't be on the road at all. Although unlikely, he or she may still have money available to compensate you for your injuries. If you decide to pursue this route, it is best to have an experienced car accident attorney do the research for you.
File a Claim Against Your Own Insurance Company
All auto insurance policies include coverage for accidents with an uninsured motorist. Your insurer can't hold you responsible for the accident just for filing a claim when you were not at fault. You should receive a settlement check that is adequate to pay for vehicle repair, medical expenses, and time lost from work due to the accident. After your insurance company pays your claim, it is up to your agent to attempt to recover funds from the driver who hit you.
Sometimes insurance companies offer settlements in uninsured driver cases that the recipient does not feel is fair. If you think you are entitled to a higher payout, you should contact a personal injury attorney to challenge the settlement on your behalf.
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