Help! I’ve Been Injured in an Accident Where the Other Driver Doesn’t Have Insurance!
Car crashes are no “accidents”. And distracted driving is almost always the cause—whether it’s texting, gazing out the side window or changing the radio station, these seemingly innocent distractions cause major injuries on a daily basis. While no one wants to get in a car crash, usually there is insurance available to protect the injured victims. Unfortunately, more and more people are driving uninsured. In New Jersey, an insurance policy can actually be purchased that only provides for payment of the at-fault driver’s medical expenses and not for the injuries or medical bills incurred by the innocent victim. What happens when you have been injured in a crash but the at-fault driver doesn’t have car insurance? This can cause extra stress and headaches. For those who have been hit by a driver with no insurance, what is your recourse? Today, let’s consider your options when dealing with these uninsured motorists.
Medical Bills when Hit by a Driver with No Insurance
New Jersey is a no-fault car accident state. What that means is that regardless of who is at fault for the crash, each driver’s car insurance pays for that person’s medical treatment and bills. This is done to ensure that everyone’s medical bills are paid and processed in a timely manner regardless of who is at fault and without having to wait for a determination in court regarding fault, which could take years. Many states require that every driver have PIP (personal injury protection) or MedPay coverage to pay for medical bills. Therefore, as long as you have insurance, your medical bills should be paid by your own insurance company even if the at-fault driver is uninsured. You should always make sure you purchase adequate limits of PIP or Med Pay coverage to provide for your medical treatment costs.
Injury Compensation when hit by a Driver with No Insurance
While drivers are required to carry insurance by law, that doesn’t stop people from driving without insurance. PIP and MedPay will only pay treatment costs. How do you get compensated for the pain and suffering and disability caused by your injuries when the at-fault driver has no or little insurance. Since most people driving without insurance are judgment proof, suing them personally will only be a moral victory and you are likely to never collect any money. The only real option is to protect yourself by purchasing uninsured and underinsured motorist coverage. This coverage protects you and your family members, up to the limits you select, in the event that you are injured in a crash and the other party is uninsured. The coverage cost is reasonable and you should purchase as much as you can afford as this is the only protection for injuries you likely will have when injured in a crash with an uninsured driver. In fact, I often tell my clients to insure themselves with the mindset that everyone is uninsured.
Handling Your Car Accident
After a car accident, it’s important to keep potential situations like a lack of insurance in mind. After reporting the accident to your local police, it’s important you follow some steps to ensure you are protecting yourself to the best of your ability. Take detailed notes and take pictures, if possible, to keep track of what happened in the car accident. If you think you may be injured, make sure to accept medical treatment on the scene and seek follow-up treatment immediately. A lawyer will be essential to guiding you through the entire insurance and litigation process to make certain that you take all the right steps from the start and get the best possible settlement.
Your Accident with No Insurance Attorneys
If you have been involved in an accident with no insurance, it’s important you contact the Rossetti and DeVoto today. At Rossetti and DeVoto, we have handled cases where the at-fault driver was without insurance and understand how to best resolve these situations. With extensive experience handling car accidents where no insurance is involved, we look for creative ways to help you get the compensation you deserve. Call us today at 844-263-6260 for a free consultation and find out how we can help.