If I’m Injured in an Accident and the Other Driver Has No Insurance, Does this Mean I Cannot Recover for My Damages?
Unfortunately, all too often people are injured in automobile accidents, and the other driver that caused the accident has no insurance or assets. While a lawsuit can still be initiated (and a damage award can be obtained) against the other driver, the odds are low in these cases that any meaningful damages can be collected.
If such an accident happens to you, this does not mean that you necessarily have nowhere to turn?
If you are injured in a motor vehicle accident and have uninsured/underinsured coverage, you can make a claim against your auto policy for damages and expenses that are in addition to your regular insurance liability coverage. Uninsured/underinsured coverage pays for many types of damages and compensation that is not covered by liability-only coverage, including damages such as medical coverage and lost wages.
I can explain to you what damages you are entitled to receive in this case. If your auto insurance company refuses to pay the full value of what they owe, we may be able to bring a bad faith claim against the insurance company.