If I am hit by an uninsured driver can I get compensation from my own insurance company?


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Question:

If I am hit by an uninsured driver can I get compensation from my own insurance company?

Answer:

Many different car accident legal issues can arise, even in a simple case. In a situation where you are hit by a driver with no insurance, the case is anything but simple. The reason people are required to buy insurance is because car accidents can be very expensive and few people can afford the legal fees and actual costs that arise as a result of a car accident. Therefore, when an uninsured driver hits you, you may have a major problem since the person who is supposed to pay may not be able to.

Fortunately, you may have a solution to this problem. Insurance companies offer something called uninsured motorist coverage. In some states, this is optional and in other states, this is a required insurance purchase. If you have uninsured motorist coverage, then when you get into an accident with an uninsured driver, your own insurance company will stand in his place and pay the damages he was supposed to pay through your uninsured motorist coverage.

Of course, if you don't have uninsured motorist coverage, you can't recover from your own insurer and are left trying to get money from the person who hit you by collecting against him personally. This can be a lot more of a challenge.

Regardless of which of those two situations you are in, it is a good idea to talk to an experienced car accident attorney. He can help you to understand what compensation you are entitled to and can help you take steps to figure out how best to get that compensation under the circumstances. 

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