Car accidents are stressful enough, but when the at-fault driver is uninsured, the situation becomes even more complicated. As Raleigh, NC car accident lawyers, we understand how frustrating and overwhelming this can be. Fortunately, we are here to help guide you through the legal process and ensure you receive the compensation you deserve.
Understanding The Problem Of Uninsured Drivers
Despite laws requiring auto insurance, many drivers choose to drive without coverage. Whether it’s due to financial hardship or simple negligence, uninsured drivers put everyone else on the road at risk. If you are involved in an accident with an uninsured driver, you might wonder how you will cover medical expenses, vehicle repairs, and lost wages. This is where we step in to explore all possible options for compensation.
Exploring Your Insurance Coverage
One of the first things we do at Burton Law Firm is review your own insurance policy. Many drivers have uninsured motorist (UM) coverage, which is specifically designed for these situations. This coverage can help pay for medical expenses, lost wages, and even pain and suffering. If you have UM coverage, we will help you file a claim with your insurance company and ensure they handle it fairly.
However, insurance companies don’t always make the process easy. They may try to minimize your payout or deny your claim altogether. That’s why we step in—to negotiate on your behalf and fight for the full amount you’re entitled to.
Holding The Uninsured Driver Accountable
If you don’t have uninsured motorist coverage, or if your damages exceed your policy limits, we may need to take legal action against the at-fault driver. While recovering compensation from an uninsured driver can be challenging, there are still options. We can investigate whether the driver has personal assets that could be used to satisfy a judgment or explore wage garnishment options if necessary.
Additionally, some states have laws that impose penalties on uninsured drivers, including license suspension and fines. While this doesn’t directly compensate you, it reinforces the seriousness of driving without insurance and may put pressure on the at-fault driver to take responsibility.
Handling Medical Bills And Other Expenses
Medical bills and repair costs can pile up quickly after an accident, and without immediate compensation, many victims struggle financially. We work closely with medical providers to help arrange treatment on a lien basis, meaning you receive care now and pay later once your case is settled. We also help you explore options such as MedPay or personal injury protection (PIP) coverage, which some insurance policies include.
Fighting For Your Rights
Dealing with an uninsured driver can feel like a dead end, but we are here to ensure that you don’t have to navigate this process alone. Whether it’s negotiating with your insurance company, filing a lawsuit, or exploring alternative compensation options, we fight for your rights every step of the way.
If you’ve been involved in a car accident with an uninsured driver, don’t hesitate to reach out. We are here to help you understand your options and secure the best possible outcome for your case.