Car accidents happen all the time and can come out of nowhere, and they often leave cars damaged and people injured. Luckily, all states require drivers to have auto insurance to cover the costs of damages and injuries. When drivers have insurance, settling car accident cases is easy; however, there are still people that drive without having any auto insurance at all. If you were struck by an uninsured driver, it might be a little harder for you to settle your case, and here are a few tips to help you with this.
Look into your own policy
The first thing you should do is look into your own auto insurance policy to find out if you have uninsured motorist coverage on it. This is a fairly typical type of coverage that many people have, and you may have this if you have a good auto insurance policy. Uninsured motorist coverage serves one key purpose, which is to provide compensation for situations in which an uninsured person causes an accident and leaves you with damages and injuries.
The downside to having to make your claim against your uninsured policy is that this form of coverage usually does not have a high dollar amount of coverage. In other words, it might not cover all your damages and injuries, which means you might still have to pay some of the money out of your own pocket.
Consider filing a lawsuit against the other driver
A second thing to know is that you have the right, in this situation, to sue the person that caused the accident to happen, and you can do this whether your own insurance covers all the damages or not. The person who caused the accident is the person who is responsible to pay for it. The only problem you may encounter with this is that the at-fault driver may not have any money to use to pay for the lawsuit if you win. If this happens, you will still not be able to recover the compensation owed to you, simply because the person will not have the means to pay you.
Settling a car accident case can be overwhelming, but you do not have to do this alone. In addition, you should always make sure you have the right types and amounts of coverage on your auto insurance policy so you can make sure you are fully protected if an accident ever happens. Contact a company like Horgan Insurance Agency to learn more.