What Happens If the Other Driver Is Uninsured in a Car Accident?

Jun 28, 2022

Being injured by another driver’s negligence puts you in a very difficult situation, but if the other driver is uninsured, the situation becomes that much more challenging. Fortunately, all hope is not lost. Most drivers purchase some uninsured motorist coverage with their own car insurance policies, which can provide you with the coverage you need to fully recover for your losses. If an uninsured motorist leaves you injured, it’s time to consult with an experienced auto accident attorney in Indiana.

Uninsured Motorist Coverage

In Indiana, carrying uninsured motorist insurance (UMI) is not a requirement, but the insurance company from whom you purchased your policy is required to offer it at the time of purchase, and the only way to refuse it is in writing. As such, it’s very likely that you have some uninsured motorist insurance.

Filing Your Claim

If a driver without insurance leaves you injured, there are several important steps that you’ll need to take. One of these is filing an uninsured motorist claim with your insurance company – for which you’ll need to prove the other driver’s negligence. All the following can help you accomplish this primary task:

The police report
Eyewitness testimony
Physical evidence at the scene of the accident
Expert testimony

Your practiced car accident attorney has the experience and legal insight to build your strongest claim in pursuit of fair compensation that covers your physical, emotional, and financial damages in their entirety.

Fault in car accidents often plays out in one of the following common forms of driver negligence:

Impairment
Aggression
Excess speed
Exhaustion
Distraction

The Losses You Experience

The losses you experience as a result of another driver’s negligence for which you can seek compensation in an uninsured motorist claim include all the following categories:

Property damage to your vehicle
Medical expenses that can be extensive and ongoing
Lost income related to lost hours on the job
Physical and psychological pain and suffering

How an Attorney Can Help

An experienced car accident attorney can help you obtain the compensation to which you are entitled in all the following ways:

Communicating with the insurance company on your behalf and skillfully negotiating with the insurance company on behalf of your just compensation
Building your strongest claim (via every available means)
Ensuring that your claim remains within the exacting rules and regulations of the law
Preparing for trial (in the event the insurance company refuses to engage in good faith negotiations)
Helping you understand the claims process and helping you make well-considered decisions throughout

An Experienced Indiana Car Accident Attorney Can Help

If you’ve been injured by a negligent driver without car insurance, the path forward can be daunting without professional legal counsel on your side. The accomplished Indiana car accident attorneys at Tanzillo Stassin & Babcock, P.C., have a wealth of experience successfully guiding claims like yours toward favorable resolutions, and we’re here for you, too. Your claim is important, so please don’t delay contacting us for more information today.