When you have been in an uninsured motorist accident, it is important to make sure you know all of your legal rights. One of these legal rights is the right to receive compensation for the damages you have suffered. You will need to speak to uninsured motorist accident lawyers who are experienced in handling these cases.
Law requires every driver to purchase uninsured motorist coverage
If you live in the United States, you know that there is a law that requires every driver to purchase uninsured motorist coverage. This insurance protects you from injuries and damages when you are involved in an accident with an at-fault driver.
There are 22 jurisdictions in the United States that require drivers to carry this type of insurance. In addition, a few states have set up funds to pay for financial compensation for victims of accidents when an at-fault party cannot afford to pay.
Most auto policies in Texas include underinsured and uninsured motorist coverage. However, some states require a deductible for UM/UIM coverage.
If you are an uninsured driver, you should seek advice from an attorney before signing any papers. Your legal options will depend on the type of injury or property damage you sustained. It is also important to ensure that your health insurance will cover the costs of your injuries.
Some states can impose penalties for driving without compulsory insurance. These can include fines or suspension of your license. For subsequent offenses, you can even face jail time.
You can determine whether or not you are required to carry this type of insurance by speaking to the insurance department of your state. Generally, the public supports the idea of compulsory auto insurance.
Stacking insurance can pay for punitive damages
If you are involved in a car accident with an at-fault driver who is not insured, you may be able to claim punitive damages. To get these, you need to prove that the other driver was at fault and that they knowingly escaped the scene of the accident.
One way of doing this is to stack insurance policies. This allows you to receive a larger sum of money for your injuries and property damage. However, you need to be careful about how many vehicles you own and how much uninsured and underinsured motorist coverage you have.
Stacking is the process of multiplying an injured party’s payment for injuries and property damage by the number of cars he owns or his underinsured and uninsured motorist coverage. In general, most insurance policies are sold in increments of $25,000 and $100,000.
Stacking insurance is a good idea if you are hit by a drunk driver. The drunk driver may not have any assets to pay for your damages. But you can always sue your employer or another at-fault driver to recover the damages you have suffered.
While you cannot stack the benefits of multiple liability policies, you can use the same policy to stack the benefits of underinsured and uninsured motor vehicle insurance. You need to make sure that you can make the maximum amount of claims, and that you have several different carriers.
Can be difficult to obtain compensation after a crash
If you are in an accident with an uninsured motorist, you may feel like you are battling a losing battle. Luckily, there are some things you can do to boost your chances of getting the compensation you need.
First, you need to make sure you have enough insurance. You may be able to recover damages through your own auto policy. The amount you will get depends on the policy’s terms and conditions.
Next, you need to document your accident. This can include photos of the damage to your car, pictures of the other driver, and a description of the accident. It is also a good idea to take note of the time and location of the incident.
Finally, you need to contact the police. Although it can be tempting to wait it out until the scene has calmed down, it is important to report the crash as soon as possible. Getting a police report helps the claims process run smoother.
However, the most interesting aspect of this type of case is that there are actually laws in place that govern how an insurance company will process your claim. Some companies will delay your claim or even deny it altogether.
While it is true that you can sue an uninsured driver for money, you’ll likely find that the monetary compensation you get will be minimal. That’s why you need a legal advocate to handle your case.