The minutes, hours and days following an auto accident tend to be full of uncertainty, especially if you or a loved one sustains a catastrophic incident. In most cases, you can at least rest easy knowing that you will receive financial compensation from the at-fault driver’s insurance company.
If the other driver does not have auto insurance, however, you may have even more uncertainty to deal with. It is important to know what you can do after an accident with an uninsured driver so that you can secure the damages you need to help pay for costly repairs and medical bills.
Pursue compensation from the at-fault driver
According to the Indiana Bureau of Motor Vehicles, any person operating a motor vehicle must provide proof of their financial responsibility as evidence that they can compensate another driver if they cause an accident. The most common method for doing so is by meeting the state’s 25/50/25 policy of minimum liability auto insurance requirement. If an at-fault driver does not have insurance, you can instead pursue legal action against them directly in hopes of securing compensation out of their own pockets.
File an uninsured motorist claim with your insurer
Even if you have a strong case in your favor, it is important to keep in mind that someone who cannot afford auto insurance also might be unable to pay out the compensation you deserve. With that in mind, the most reliable way to guarantee your rightful compensation is by adding uninsured motorist coverage to your own auto insurance policy.
You have enough concerns after a motor vehicle accident without worrying about whether or not you will get the compensation you deserve. Knowing your options for taking legal action and getting the best possible coverage will help you maintain peace of mind.
