You may believe the other party is fully insured in the unfortunate event of a car accident, but this isn’t the case always. Although almost every state has a legally required minimum liability auto insurance, most still drive without insurance. So what happens if the at-fault driver doesn’t have car insurance?
Such cases are usually quite tricky, whether the accident is your fault or not. But you can always count on Pacific West Injury Law for a favorable settlement and fair compensation. Any time you’re in such a situation, call or text (702) 602-4878.
Uninsured Motorists Coverage
Most states indeed require every registered automobile to have auto insurance coverage. However, many drivers hit the road every day without any form of insurance coverage throughout America.
In the event of an accident and the uninsured driver is at fault, the insured driver’s insurance provider is often left to cover the resultant health and physical damage expenses. Similarly, if the at-fault driver is underinsured, their policy limit may not be sufficient to address all the damage costs.
If the other driver in the accident lacks liability insurance, there are several steps to take. If you’re adequately insured, your insurance provider will cover your car damages. Uninsured motorist insurance will offer an additional buffer.
The coverage will cushion you from suffering the expense when you’re involved in a car accident where the other party is at fault, yet they don’t have car insurance.
Per Nevada’s Division of Insurance, only a handful of U.S. states have the requirement for uninsured motorist coverage. But in most of them, state regulations require insurance providers to include it in their list of services. Typically, the coverage can’t exceed your standard liability coverage.
Because many drivers are on the roads yet aren’t insured, it would help if you have sufficient uninsured motorist coverage. It’s one of the best methods of buffering yourself against the burdening accident expenses.
What Happens When You Don’t Have Sufficient Insurance?
Being in a car accident that’s your fault, yet you don’t have sufficient insurance, can be a terrifying feeling. If you don’t have comprehensive or third-party car insurance and it’s your mistake, here are the possible two scenarios that will take place.
If They’re Insured
If the other driver and their insurance provider find you to be at fault, they’ll request you to pick the damages bill. If you aren’t insured, you may settle the expense out of your pocket.
The applicable cost of repairs may vary depending on the accident’s nature, the extent of damage to their car, or the resultant property damage. You may have to cover costs like towing fees, damaged vehicle repairs, replacement costs, and any other damaged items besides the car.
Their insurer will contact you or send a letter of demand requesting you to facilitate the payments.
The Other Party Isn’t Insured
If the other party also doesn’t have car insurance, no one will make a claim. The only alternative would be settling the applicable costs directly with them.
For a free legal consultation, call 702-602-HURT
Will My Insurance Premiums Increase Even if It Wasn’t My Fault?
If another at-fault driver hurts you, yet they don’t have sufficient insurance coverage for the resultant damages and injuries; the UM coverage will come into play and clear the difference to lower your premiums. This means your premiums won’t increase if the accident wasn’t your fault.
Although your coverage shouldn’t go beyond its liability coverage limit, you can specifically choose a lower limit. To achieve this, your insurance provider will give you a rejection form that you’ll sign before the policy is affected.
Notably, UM coverage will never go lower than Nevada’s legally provided minimum of $50,000 per accident and $25,000 per person. You can also purchase additional coverage protection than these minimum levels to compensate for the property damages and injuries to the other party.
Acquiring the minimum UM amount required by law won’t adequately compensate for serious injuries or damages to a newer vehicle. If a UM driver is at fault, you can leverage your collision coverage to replace your car.
What if My Insurance Isn’t Enough?
If you believe you aren’t at fault, then you have some space to wiggle. If you’re not insured, the burden of the other party’s vehicle repairs and medical expenses won’t be yours.
Understanding your legal rights when claims are made against you is vital. Otherwise, it may be hard to dispute a claim, no matter how unfair it seems. Seeking a reputable Las Vegas injury attorney’s advice would help solve the liability dispute and property damage costs.
Hiring an Experienced Car Accident Lawyer
If you’ve had a car accident and need to take action against the negligent driver, hiring an experienced attorney would help you create a strong case. Here’s how your Las Vegas lawyer will come through for you:
Reviewing the Claim
Even if you’re certain that the other party is at fault, one missing detail in your claim could nullify it. An experienced attorney will help you review the claim, interview witnesses, and gather the necessary material, evidence, and facts for a strong case.
Getting You Fair Compensation
After evaluating your claim and creating a strong case, the next step would be to pursue fair compensation. Never accept settlement offers by the uninsured party without consulting with your attorney. The experts will assess every element of the case and help you get the deserved compensation.
Call Pacific West Injury for a Free Consultation
After surviving a car accident, the resultant damages and injuries could lead to financial burdens. If the other party is on the road without insurance coverage, it may be hard to find an ideal settlement. But you can always count on reliable lawyers to follow the right steps with your claim.
You want to understand the best steps to handle a car accident when the at-fault driver is uninsured. Don’t hesitate to contact Pacific West Injury Law. Just Call or Text (702) 602-4878, and we’ll help you have a fair settlement.