Can I Sue Someone Who Hit My Car Without Insurance

22 May 2024

Welcome to CrashHelpCenter.com, where we go above and beyond to bring you top-notch resources and reviews for car accident lawyers. In the distressing wake of a car accident, you might find yourself grappling with a hard-hitting question – “Can I sue someone who hit my car without insurance?” We’ve thoroughly researched this complex topic, analyzed laws, and talked with numerous legal experts to bring you a detailed exploration of this question. So rest assured, you’ve come to the right place for your answers.

Can I Sue Someone Who Hit My Car Without Insurance?

So you’ve found yourself in a predicament – someone hit your car and they don’t have insurance. Can you sue them? Short answer, yes. But the process is a lot more detailed than a simple yes or no. In this article, we will delve into the intricacies of exactly what your options are, when you should consider a lawsuit, and how to go about it.

Of course, it’s important to note that we are not lawyers, but we do have a knack for collecting information and reviews on the best car accident lawyers you can find on the web through Crashhelpcenter.com. Our goal? To help you navigate through this stressful situation.

Let’s Talk About Uninsured Motorists

To begin, it’s useful to know just how many people are driving without insurance. According to the Insurance Research Council, in 2015, approximately 13% of motorists, or about one in eight drivers, was uninsured. This means that there’s a surprisingly high chance that if you’re in an accident, the at-fault driver might not have insurance.

What Happens Initially?

So after the initial shock of the accident fades, you discover that the other driver is uninsured. Your first reaction might be to panic or get angry, but it’s vital to stay calm and gather as much information as you can.

After an accident, regardless of insurance status, always jot down the other driver’s:

  • Name
  • Contact information
  • License plate number
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Also, make sure to take plenty of photos of the accident scene, your car’s damage, and the other vehicle–especially any identifiers.

Your Insurance Company’s Role

Once you’ve reported and documented the accident, it’s time to notify your insurance company. If you carry uninsured motorist (UM) coverage, your insurance company can help cover the damages. This type of coverage is required in some states and optional in others.

What If I Don’t Have Uninsured Motorist Coverage?

In case you don’t carry uninsured motorist coverage, you might have collision coverage, which also handles damages up to your policy limits. However, keep in mind that you will likely have to pay a deductible. Alternatively, your health insurance might cover medical bills.

When Should I Consider A Lawsuit?

Given that insurance can cover damage in many situations, you might wonder why you’d need to sue at all. The answer mostly lies in whether your costs exceed what your insurance will cover. If the impact of the accident is immense, be it medical bills, severe car damage, or missing copious work, your insurance might not fully cover these costs.

In such cases, a lawsuit against the uninsured driver may help recover the difference.

How Do I Go About It?

If you decide that a lawsuit is your best option, the first step is to consult with a lawyer. Of course, to find the best and most reviewed car accident lawyers, you can always visit Crashhelpcenter.com. Remember, suing someone is a complicated process with a lot of technicalities – having a professional on your side can make things a lot easier.

Your lawyer will help you:

  • Prepare your claim
  • Gather requisite evidence
  • Evaluate the amount you seek to recover

The Reality of Suing an Uninsured Driver

While suing an uninsured driver may seem like a surefire way to get compensation for your damages, it’s worth considering why the driver is uninsured in the first place. Often, people drive without insurance because they can’t afford it.

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Although it’s not fair to you, the hard truth is that if somebody can’t afford monthly insurance payments, they probably won’t be able to pay for your damages out of pocket. This can not only make it difficult to collect damages if you win your lawsuit, but in some cases, it might even make the lawsuit economically unfeasible.

In Conclusion: Protect Yourself

In the end, the best way to guard against uninsured drivers is to protect yourself. Consider bolstering your own insurance to include uninsured motorist coverage. Also, consider collision coverage and comprehensive coverage to be protected from all potential damage sources.

While you can’t control others’ actions, you can control how well-prepared you are for the potential fallout. Meanwhile, remember to stay informed, stay protected, and drive safe.

Finally, it’s always a good idea to consult with a professional to determine your best course of action. Whether you need assistance navigating insurance companies or are thinking about filing a lawsuit, you can rest assured knowing there are reliable, highly-reviewed car accident lawyers out there to help, and you can find them at Crashhelpcenter.com.

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