Can a Car Accident Attorney Help if the Other Driver Doesn’t Have Insurance?

Car accidents can have devastating consequences, causing injuries, property damage, and financial strain. Dealing with the aftermath of an accident becomes even more complicated when the other driver involved doesn’t have insurance. If you have been involved in a crash and the other driver doesn’t have insurance, a car accident attorney can help. Here is what our attorneys at Reasonover Law can do for you after an accident:

1. Determining Available Coverage Options

One of our car accident attorneys can evaluate your case and explore various avenues for compensation. We can help determine whether you have underinsured or uninsured motorist coverage through your insurance policy. If you have this coverage, your insurance company can provide compensation in the case of an accident. Here is more information about the two types of insurance policies that can facilitate your settlement:

Uninsured motorist coverage (UM): This policy applies when the at-fault driver has no insurance. UM insurance includes coverage for medical expenses, lost wages, pain and suffering, and other damages resulting from the accident.

Underinsured motorist coverage (UIM): This type of insurance provides additional protection when the at-fault driver’s insurance coverage is insufficient to cover your damages. Your insurance company will pay the difference up to the limits of your UIM coverage.

2. Negotiating With Your Insurance Company

Most insurance companies have a team of adjusters and lawyers who aim to minimize liability and payout. An attorney from Reasonover Law will negotiate with your insurer to help you receive fair compensation. We can investigate the accident thoroughly and collect police reports, medical records, and witness statements. Your attorney will build a solid case and present compelling evidence demonstrating the extent of your damages and the need for compensation. Before negotiating a settlement, we can also evaluate the worth of a claim based on factors like medical expenses, property damage, lost wages, pain and suffering, and future damages. Having an attorney from Reasonover Law on your side can reduce the stress of dealing with the insurance company directly.

3. Pursuing Legal Action

If negotiations fail, our skilled attorneys can help you file a lawsuit against the uninsured driver. This process entails filing a legal complaint outlining the details of the accident, the injuries or damages you suffered, and the compensation you seek. The uninsured driver then gets served with a copy of the complaint and has an opportunity to respond. To help you succeed in your lawsuit, our attorneys can establish the liability of the uninsured driver. Gathering evidence, like accident reports, witness statements, and photographs, helps prove that the uninsured driver was at fault for the accident and your injuries or damages. Your attorney can keep you informed throughout the legal action process. They can also provide legal advice and answer any questions you may have. If the court rules in your favor and finds the uninsured driver liable for the accident, it will issue a judgment stating the type and amount of compensation you will receive.

Hire a Qualified Car Accident Attorney

A car accident attorney can determine your available insurance coverage, negotiate your settlement, and help you file a lawsuit. At Reasonover Law, we have experienced attorneys who can help you navigate the legal process after an accident with an uninsured driver. Our skilled attorneys can represent you in court to make sure you get fair compensation. Contact us today for a free case evaluation.