Last year, insurance companies raised their rates by 8.3%, and some people are still driving without insurance. An uninsured driver can be dangerous for people on the road, and if you have an accident with an uninsured driver, you might require legal services.
But what are the procedures for people who have accidents with uninsured drivers?
This article will cover the options for this situation and how to file the right car accident claim. So, you’ll know exactly how to handle this type of accident.
The Options for an Uninsured Driver Accident
It’s frustrating when you have an accident with an uninsured driver, and it can leave you feeling worried about the costs and damages caused by the incident. So, the first step is to get in touch with your insurance company.
This is the most common way that people deal with these accidents and solve their financial worries.
Talk With Your Insurance Company
As long as you have car insurance, you can talk with your insurance company and file a claim for the damages. In this case, you’ll need to use your uninsured/underinsured motorist coverage, which is included in your insurance in Louisiana. The amount of money will depend on your type of insurance.
Generally, these insurance policies cover medical bills, pain, and other expenses. You can discuss the details with your insurance company to ensure you know what is included in the policy.
Start a Car Accident Lawsuit
Another option for people who have been involved in an accident with an uninsured driver is to file a car accident lawsuit. This option is more expensive, but it’s worthwhile if the damage was significant and you have the funds to complete the process in court.
In New Orleans, you have the choice to sue the driver, so this is something you can consider after the incident.
It’s important to keep in mind that the driver might not be able to cover the expenses of the accident. So, you should talk through this option with your insurance company before making a final decision.
Look Into Health Insurance
The third option for this situation is to research your medical insurance. This is particularly important if you have suffered from an injury or need urgent medical treatment. Typically, the health problems will be covered by another policy, which is why it’s good to look over all your paperwork.
You might be able to find a solution in another policy that can reduce the costs of healthcare. Alternatively, your existing care insurance could be able to pay for the repair costs.
Ideally, you should explore the first two options first to see if there’s a way to remedy the situation. But you should consult with your lawyer as soon as possible.
Hire the Best Lawyers to Help
No one wants to deal with an uninsured driver accident as it can be devasting to see the damage costs and not get the justified compensation. That’s why you need a lawyer with the experience and skills to solve the situation, so you don’t have to walk away with less money in your bank account.
Reach out to our team today and find out how we can help you file a claim.