Being involved in a car accident is already stressful enough, but finding out the other driver doesn’t have insurance can feel like a nightmare. While it may seem like a dead end, there are still ways to seek compensation for your injuries and damages.
Understanding your rights and the steps you can take is crucial to moving forward after an accident.
How can you seek compensation?
When the driver responsible for the accident lacks insurance, it can create significant challenges for those seeking compensation. However, if you have uninsured motorist coverage as part of your insurance policy, you may be able to file a claim through your own insurer. This type of coverage exists to help protect you in the event you’re hit by an uninsured driver, helping to cover medical expenses, property damage and other related costs.
If you do not have uninsured motorist coverage, there are still potential legal avenues available. In some cases, you may be able to pursue a claim directly against the at-fault driver, although collecting compensation may be difficult if the individual lacks the financial resources to pay.
Additionally, certain states have special funds or programs that provide assistance to victims of uninsured drivers. For example, Pennsylvania’s Victims’ Compensation Assistance Program (VCAP) is designed to provide financial assistance to victims of crimes, including accidents involving uninsured drivers.
If you find yourself in this difficult situation, it’s important to understand your options and ensure you’re taking the right steps to protect your rights. Consulting with someone experienced in personal injury can help you understand the best way to pursue a claim and the best approach for your unique situation.