In most states, it is a legal requirement that every driver to have valid insurance on their vehicles. However, it is not uncommon to find uninsured drivers being involved in auto accidents on our roads. If an uninsured driver is involved in a road accident, the lack of insurance cover can result in a lot of problems for the uninsured motorist as well as any other individuals who are injured due to the uninsured motorist’s negligence.
Liability for the Uninsured Driver
The ramifications of being an uninsured motorist vary from one state to the other. In some states, uninsured drivers are not allowed to recover some damages even if they are not to blame, for instance, non economic damages like pain and suffering. Such drivers might also face higher liability in certain states. In addition, in some states, no one is allowed to drive without proper car insurance.
When an uninsured motorist inflicts injuries on another person, the motorist cannot call the car insurance company to defend against the subsequent proceedings or to negotiate any settlement or pay any damages as a result of a lawsuit. They might have to part with their personal property to pay for any damages. In some states, an uninsured driver with a displeased judgment emanating from an auto accident is not allowed to renew their driver’s license before they honor the judgment in full. Uninsured drivers may face a lot of financial problems and even bankruptcy.
Issues Recovering Damages
Since uninsured drivers sometimes do not have much in terms of personal assets, any individual injured due to the negligence of an uninsured driver might face difficulties recovering enough compensation for various damages. An Individual injured by such a motorist should consider the following options:
Uninsured driver coverage: when you buy car insurance, you normally have a chance to buy uninsured driver’s coverage. This may be a legal requirement in your state. It is important to ensure you have enough amount of coverage because it helps you get compensation for any injuries in case you are hit by an uninsured driver.
Other car insurance coverage: at times, an uninsured motorist might have insurance coverage under another person’s policy, for instance, where one is dependent but lives in the residence of an insured motorist. However, the conditions of the other motorist’s policy and coverage policies may vary from state to state, but it is an option of recovery that one should consider where possible.