What can I do if the driver doesn’t have insurance but caused the Accident?


Los Angeles Car Accident Attorney

Most car accidents are caused by a distracted driver. Distractions come in many different forms, and a simple mistake while behind the wheel could put you in a hospital.

Following the accident, what do you do if you find out that the other driver (who caused the accident) doesn’t have any insurance?

There are many different things that you should know about insurance types, and what you should do after an accident if the other party doesn’t have the right car insurance.

Different Types of Insurances

The state of California requires you to purchase a minimum required car insurance before being able to “legally” drive a vehicle. If pulled over without a car insurance, you may face charges and fees.

There are two types of motorist overages:
  • Uninsured motorist coverage
  • Under-insured motorist coverage
The first one protects you from any accidents where the other party involved doesn’t have the right type of insurance, or has no insurance at all. At this situation, uninsured motorist coverage will cover your damages based on the total amount of liability coverage you have.

Contrary to that, underinsured motorist coverage will protect you from when a driver has the right car insurance but doesn’t have enough coverage to pay for your injuries, vehicle damages, and other losses. When purchasing an insurance, you should be offered both of these insurances by your insurance company. In case you are not offered, ask about them and tell them to explain you more about them and how they work.

In case of an accident, regardless of what type of insurance you may have, you should contact vehicle accident lawyer Los Angeles and seek their legal help.

Additional Insurances

At an extra cost, you can also add a collision coverage on your insurance policy. Collision coverage will help pay to repair your vehicle and any damages sustained by the vehicle in the accident. Note that collision coverage does not apply to your injuries, but to the damages done to the vehicle ONLY.

Last Resort – Filling a Lawsuit

The last thing you can do (but it is always an option) if you cannot find any other way of obtaining the settlement for your injuries and damages is to file a lawsuit against the party responsible for causing the accident. For this you are going to need all the legal help you can get, which is why we recommend contacting one of our available Los Angeles Car Accident Attorneys. Schedule your free consultation and learn how an attorney can help you file a lawsuit against the at-fault party, and what other things you should be aware of after the accident.

It is always the best and the safest option to report the accident to your car insurance company first. Once they tell you how much coverage applies, you can start from there and continue to pursue additional compensation, or settle with what you are offered. But before you call it a day, speak with your attorney and hear their legal advice.
Location: Los Angeles, CA, USA

Comments

Post a Comment

Popular posts from this blog

Types of Compensation You will Get after Car Accident

Image
Car accidents are responsible for over 3,000 injuries in California every year. They are so common that on average, every citizen of California will be involved in at least one car accident for every 17 years of life. But what exactly do you do once you are involved in a car accident? Who do you talk to, and what is the next step? We talked with experienced Los Angeles Car Accident Attorney , and here is what they had to say. Medical Expenses Once the accident happens, the most important thing is to treat your injuries. Medical bills are known to be very expensive, but as a victim of the accident, you have nothing to worry about. You will receive fully paid medical care, involving the following: Surgeries Hospital Stays Ambulance costs Medication and prescription drugs Costs of rehabilitation In-home services (if needed) Cognitive therapy (in case of brain injury) Prosthetic devices After an accident, contact a car accident lawyer Los Angeles and seek his le
Read more

How to Use Distracted Driving As Evidence to Build Your Car Accident Case

Image
Do you feel confident behind the wheel? People believe that driving is nothing more than sitting behind a wheel and pushing the pedal until you arrive from one place to another. But did you know that every day, 9 people are killed in an accident involving a distracted driver? No matter how good of a driver you are, as long as there is someone heading your way or driving in a lane next to or behind you, they too may be responsible for your safety. If you are involved in a car accident , here is how you can use the other driver’s distracted driving as the main evidence to build your case upon. Understand What It Means First, you need to be 100 percent sure that you fully understand what distracted driving involves: Drinking and/or eating while driving Smoking while driving Conversing with your passengers Applying make-up Shaving Losing focus (daydreaming) Using electronic devices (cell phone, radio) Driving while intoxicated Each of the above-listed
Read more

Most Common Myths About Car Accident and Injury Case

Image
You have probably met or spoken to someone who has been in a car accident before. Even if you haven’t, you must have heard rumors and “myths” about the car accident and injury cases. Friends and family talk to each other and share the information faster than you could imagine. However, in most cases, not everything they say is true. Here are the most common myths related to car accidents and injury cases. Same Rules Apply The one you have probably heard the most is that when it comes to car accidents, the same rules apply in every state. This is nowhere near the truth; in fact, most states have different rules and regulations concerning the car accidents. Yes, some states may have the same “What you should do in event of a car accident” pamphlet, but that does not mean that the regulations are the same in all states. The best way to find out information about a car accident in Los Angeles is to speak with an experienced Car Accident Attorney in Los Angeles. They
Read more