Ask a PI Lawyer
I was in a car accident. The person that hit me does not have insurance. What are my options?
submitted by Hannah T.
The Injury Legal Team’s answer:
You have a couple of options. The best option would be to make a claim against your own Uninsured Motorist policy, if you have one. If you’re not sure, call your agent to ask. If you can access your Declarations Page, or have a copy of it, it may look like this:
Uninsured Motorist coverage will provide you insurance coverage up to your limits if you are injured by a driver who does not have insurance. In the situation above, the person has Uninsured Motorist coverage up to $100,000 for his/her injuries. If additional people were in the car, this person would have coverage for everyone up to $300,000 combined, but not more than $100,000 per person.
If you do not have Uninsured Motorist coverage, you could file a lawsuit against the at-fault party for personal money. But unless there was just a mistaken gap in coverage, if someone cannot afford insurance, they usually don’t have much money. Also, the at-fault party can file bankruptcy and potentially wipe out whatever judgment you get against them personally.
Feel free to call me and I would be happy to look at your policy to see if you have coverage, and advise you of your best options.
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