Challenges Of Settling A Car Accident If Other Party Does Not Have Insurance

Settling a car accident in a normal situation is never a fast and easy process, but it can become even more difficult when the responsible party does not have auto insurance. The responsible party refers to the driver who caused the accident, as he or she will be responsible to pay the settlement, but you will likely face some challenges if this person did not have any auto insurance at the time of the accident.

Why insurance is so important

When a car accident occurs and both parties have car insurance, settling a case is so much easier. The person labeled the at-fault driver will utilize his or her insurance policy to pay the damages the other party experienced. In this case, everything works out well. When the party responsible for the collision has no insurance, it tremendously complicates the settlement.

The options you have for settling the case

Without the other party having insurance, you have several options for settling; however, none of these options is really as good as settling with a person who has auto insurance. The first option to consider looking into is your own auto insurance policy. Does your policy offer uninsured motorist coverage? If so, you can use this part of your insurance policy to collect money for your damages. Unfortunately, most people do not have high limits of coverage with their uninsured motorist insurance, which means you might not be able to collect as much money as you could have by using the other party's insurance had they had it.

Secondly, you have the right to sue the other driver for money. If the other driver had no insurance, they may not have a lot of money to offer to you, though, and this is a common problem with accidents involving uninsured drivers.

Why hiring a lawyer is a necessity

In any type of accident case, it can be helpful and beneficial to hire a lawyer, but hiring a lawyer in a case like this is even more important. Your lawyer will help you learn more about your options and will help you proceed with your case in the best manner for you.

Having a lawyer assist you in any type of car accident case is important, as lawyers know the law and are good at helping people settle. Reach out to a firm such as Greenman, Goldberg, Raby and Martinez Law Firm to learn more.