New Articles

The At-Fault Driver Has No or Little Insurance? How Do You Deal With It?

global trade accident

The At-Fault Driver Has No or Little Insurance? How Do You Deal With It?

Understanding  the law is crucial if you’re involved in a pedestrian accident. It grants you the right to seek compensation for lost wages, suffering, and medical expenses from the negligent driver’s insurance company. This knowledge empowers you to assert your rights effectively. 

What should be the minimum liability insurance coverage? 

Based on the established law, all drivers of passenger vehicles should have liability insurance coverage of a certain amount. Here is the minimum amount:

  • For injuries or death occurring in every accident – $30,000.
  • For injuries or death of one person involved in the accident- $15,000.
  • Property damages include the vehicles and other elements – $5,000.

How do you get help when a motorist is uninsured or underinsured?

If the motorist at fault in your pedestrian accident is uninsured or underinsured, you can still file a compensation claim under your auto insurance policy. This policy, though optional, should be offered by your insurance company. If you’re insured under the policy or a family member living in the same household as the insured individual, you’re entitled to uninsured or underinsurance coverage. Remember, having a knowledgeable and experienced lawyer by your side is crucial. They can significantly increase your chances of receiving the compensation you deserve, providing you with professional support and guidance. 

Can you sue the at-fault motorist?

You can sue the uninsured or underinsured motorist who caused you injury. Here, you need to seek help from an experienced pedestrian accident lawyer to file your lawsuit. San Diego personal injury attorneys would help you protect your rights, even if the motorist cannot compensate you.

What do you do if an uninsured or underinsured driver strikes you?

To protect your rights to compensation after a pedestrian collision, here are the steps you need to take: 

  • Call the police; you have to contact the police who might be present around the accident area. They would help you prove the driver’s fault for causing the accident. 
  • Immediately get medical care to avoid disputes with the insurance company and to protect your health. Get examined by the doctor within 48 hours of the collision and wait for the doctor’s final prognosis to understand how severe the injury is.
  • Get all the contact details of the negligent driver and their insurance company (if present). Also, get information from the accident eyewitness, who can later prove to become an alibi for what happened. 
  • To establish the driver’s negligence, use your cell phone camera, take pictures of the vehicle’s damage that struck you, and also capture the crash scene and wounds. These photographs can be later presented before the jury’s insurance adjuster.
  • Contact your insurance company and report the pedestrian accident. If the motor is uninsured or underinsured, then they would protect your right to file a claim.
  • Hire a lawyer who knows about pedestrian accidents and can help you collect the evidence and negotiate to receive the maximum recovery settlement.

Summing it up:

By speaking to a personal injury attorney, you can get your claims settled without any hassle, and if required, that can also represent you in court.