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What are your options after an uninsured motorist crash?

On Behalf of | Sep 15, 2021 | Motor Vehicle Accidents

Being injured in a car accident can create a level of stress that you never thought existed. You’re forced to cope with extensive physical and emotional pain and suffering, and your finances can take a hit with the incurrence of medical expenses, rehabilitation costs, and lost wages. While you might think that an insurance company will help you with those losses, that’s not always the case, especially when your car accident was caused by an uninsured motorist.

 

The truth of the matter is that uninsured motorist accidents occur all the time, too. In fact, one out of every eight drivers is uninsured, which means that a significant number of motor vehicle accidents are caused by these individuals. When one of these wrecks occurs, you need to now what you can do to protect your interests. Otherwise, you might end up facing significant physical, emotional, and financial losses without the resources that you need.

How to deal with your uninsured motorist case

The best way to recover compensation after one of these wrecks is to rely on your uninsured motorist coverage. If you have this type of coverage, then you can simply file a claim with your insurance company. However, keep in mind that your insurance company wants to avoid paying out as much as possible. Therefore, you need to be armed with evidence of your losses and be prepared to push back against your insurance company.

We realize that pursuing a claim under an uninsured motorist policy isn’t always an option. If you don’t have that kind of coverage, then you’re going to have to seek compensation directly from the driver who caused your accident. This means gathering evidence that shows liability and how that driver’s negligence caused your damages. You might want to gather police reports, witness accounts, and perhaps even have an accident reconstruction conducted. Keep in mind that you’ll have to prove your damages, too, which means that you’ll need evidence of the extent of your injuries and how they’re affecting your life. Don’t forget to portray how your injuries have affected your everyday life.

But even if you succeed in imposing liability and proving your damages, a final judgment probably won’t be the end of your case. This is because many uninsured motorists lack the resources to pay for insurance coverage, let alone a judgment against them. That’s why even after you case is disposed, you’ll have to be prepared to take additional legal action, such as by seeking a wage garnishment order. A wage garnishment order allows you to recoup what will hopefully be consistent payments, even if their relatively small. This can allow you to slowly recoup your damages over time. Although this is certainly less than ideal, it’s better than failing to recover anything.

Secure the resources you need for a successful recovery

 Recovering from a car accident isn’t easy. It’s painful, stressful, overwhelming, and costly. But you might be able to ease the burdens of your recovery by pursuing a personal injury claim. But to best position yourself for success, you need to know how to gather evidence and present it in a compelling fashion in light of the applicable law. The process isn’t always easy, even when the case looks straightforward. So, be proactive and diligent in building your case, finding support along the way. To learn more about what that might look like in your case, consider looking into the matter further.