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Your Options After an Accident with an Uninsured Driver

Your Options After an Accident with an Uninsured Driver

A car accident can be a stressful enough situation, especially if the other driver was driving without insurance. After a car accident, injured parties can seek compensation by filing a claim with their own insurance company, filing a claim with the at-fault driver’s insurance company, or filing a personal injury lawsuit against the at-fault driver. Since drivers who choose to drive without insurance oftentimes do so due to financial hardship, personal injury claim against them is often a lost cause. Instead, injured drivers are left to file a claim under their own uninsured motorist coverage. In that instance, if the injured driver’s uninsured motorist coverage is also minimal, they may not be compensated fully for their injuries.

What is Uninsured Motorist Coverage?

While ordinary car insurance coverage is meant to cover other people’s injuries and losses in the event of an accident, uninsured motorist coverage (UIM) exists to provide you with financial assistance in the event that the other driver does not have insurance or has only minimal policy limits. Coverage will extend up the limits of your policy and will cover the difference between the limit of your policy and that of the uninsured or underinsured driver.

Let’s say, for example, you purchased a $50,000 UIM policy and are involved in a collision with a driver who only has $20,000 in coverage. As a result of the collision, you suffered a total of $50,000 in injury damages. In this situation, you would be able to pursue a $20,000 claim against the other driver’s insurance and an additional $30,000 claim against your UIM policy, thereby compensating you fully for the $50,000 in damages. If a driver is not insured at all, you will only be able to recover however much UIM coverage you have purchased.

In the example above, if the injured driver had extensive injuries, such as surgery or loss of a limb, they would still only be able to collect a total of $50,000.

Why is Uninsured Motorist Coverage Important?

Uninsured motorist coverage may be your only way of recovering compensation for your injury in the event of a collision with an uninsured or underinsured driver and can save you the hardship of having to face the steep costs of medical expenses on your own. Connecticut only requires drivers to carry a minimum of $20,000 in coverage per person and $40,000 per accident. Considering how a single day’s care in a hospital’s Intensive Care Unit can cost up to a staggering $18,000, these funds can disappear quickly if you are faced with serious injuries after an accident and require long-term care. That is why it is so important to maintain sufficient uninsured motorist coverage on your automobile policy. Unlike the bodily injury policy that you must purchase to cover injuries that you could cause to others, uninsured motorist coverage is very inexpensive and may be the only avenue to compensate you fully for your injuries, pain and suffering, lost wages, etc.

Injured? Contact a Car Accident Lawyer in Hamden

If you have been injured in a collision with an uninsured or underinsured driver, it is vital you retain the services of powerful Hamden car accident attorney from Sette & Parnoff, P .C. as soon as possible to maximize your chances of recovering the compensation you deserve. Our firm can negotiate with the involved insurance companies and pursue the largest settlement possible for your suffering.

Call (203) 285-3075 or contact our firm online today to get started towards filing a claim.

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