What if the Other Driver Doesn't Have Insurance? When you suffer a serious injury in a car accident, one of the most important things that really matters is that your injuries receive proper treatment and you are eventually able to go on living your life. Unfortunately, someone has to pay for that treatment and recovery. If the at-fault driver doesn't have enough insurance to cover your losses, what do you do?
You may need to turn to your own insurance company, and you may have to hire an attorney to help you do it. At Glotzer & Kobren, P.A., our lawyers provide experienced, aggressive and personalized services to help injured clients put their lives back on track.
To schedule a free consultation at our Boca Raton, Florida, office, call 800-281-0738 or contact us online today.
When the Driver at Fault is Completely Uninsured
Motorists are required by law to purchase some form of car insurance. Unfortunately, not every motorist obeys the law. If you were struck by an uninsured motorist, you will need to rely on the uninsured motorist coverage in your own insurance policy to cover the full amount of your losses. The same rule applies if you suffered an injury in a hit and run accident.
When the Driver at Fault Doesn't Have Enough Insurance
What if the at-fault driver has insurance, but not enough to fully compensate you for your injuries and property damage? First, you have to recover the maximum amount available from that driver's policy. For any remaining damages, you need to turn to your own underinsured motorist policy.
What if I Don't Have Uninsured / Underinsured Motorist Coverage
In many circumstances drivers that have insurance policies also have underinsured or uninsured motorist coverage. In order for you to avoid purchasing this coverage, your insurance company is required to send you a "rejection letter" that you must sign to specifically indicate that you don't want it.
If you never signed a rejection letter, you may be entitled to uninsured/underinsured coverage equal to your bodily injury coverage.
To schedule a free consultation, call us today at 800-281-0738 or contact us online.