Getting into a vehicle accident is one of the most stressful things you might have to handle. It becomes even more complex when you start spending money on medical bills and damages. That said, the process flows smoothly when you have working insurance coverage. However, this is not always the case with all drivers, and you may feel stranded when the other driver does not have ample insurance coverage. Below are options you can explore if dealing with an underinsured or uninsured driver.
Getting Injury Treatment
It is only natural to worry about getting coverage to treat your injuries. So, if the other driver has no insurance, your health insurance plan will step up and pay your injury treatment bills. All you have to do is visit one of the health facilities approved by your insurer and explain the circumstances. In most cases, they can help you meet the cost of treatment without digging into your savings.
Getting Compensated for Lost Time
Although getting treatment for bodily harm might prove easy, you may also face complex factors that will take time to resolve. For example, getting your rightful compensation for the period you stay off work is no easy process. That said, your relationship with your boss and also your contract can help you get some relief. For instance, you can use your accumulated sick days from work to cover the time lost without getting into trouble with your employer. You could also use any vacation days. Although this may not be the best plan, it will minimize the money you have to forgo as you recover from the injury without compensation.
Suing the Underinsured Driver
You also have the option to sue the other driver to receive the compensation you deserve. You should know that all motorists must have some form of insurance, even if it is third-party insurance coverage. More so, this requirement is set in place to cater to the needs of anyone you harm in an accident. Hence, if a driver does not have insurance, they are on the road and using a vehicle contrary to the law. Given this, you can take them to court and have them pay for their negligence and endangering your life. In such a case, the court will order them to use personal assets to compensate you.
You should know that speaking to an automobile accident lawyer once you realize your accident involves an underinsured driver is paramount. They will determine the best course of action to pursue any form of reimbursement that will cover your damages and losses.
Talk to a car accident lawyer for more information.