In the aftermath of a car accident, determining fault is crucial as it significantly influences the compensation victims receive. But, what about an uninsured at-fault driver? Do they simply get away with it? In today’s blog post, we explore this issue.
Uninsured drivers
Carrying auto insurance is not just advisable, it is mandatory. Despite this legal requirement, nearly 1 in 12 drivers are uninsured. Driving without insurance is a serious offense, punishable by citations, fines and potential revocation of the driver’s license.
Impact on accident victims
When an uninsured driver causes an accident, victims face a more complicated situation. They cannot pursue a claim against the at-fault driver’s insurance as it does not exist. However, this does not mean the uninsured driver goes unpunished or that the victim is left without recourse.
Seeking compensation
Victims have several avenues to seek compensation. One primary option is to file a claim with their own insurance company if they have uninsured/underinsured motorist coverage. This type of coverage can pay for car repairs, rental cars and even pain and suffering. It steps in when the at-fault driver lacks sufficient insurance.
Another option is filing a personal injury lawsuit in civil court. Although this process can be more complex and time-consuming, it may be necessary to recover full compensation, especially in severe injury cases.
Civil justice
The civil justice system allows accident victims to seek various types of damages, including hospital bills, lost wages and pain and suffering.
Conclusion
While uninsured at-fault drivers do not simply get away with causing accidents, the process for victims to receive compensation can be more challenging. It is essential for all drivers to understand their insurance coverage and legal options if they encounter an accident with an uninsured driver. By being informed, victims can better navigate the complexities of the law and ensure they pursue all available avenues for recovery.