What if I’m Injured in a Car Accident and the At-Fault Driver Doesn’t Have Car Insurance?
A car accident can change your life in an instant. The damages to your vehicle could mean shoveling thousands of dollars out of your pocket to pay for repairs — or a whole new car if the vehicle was totaled. If you were injured in a car accident, medical bills could add financial stress to the pain and suffering the injury might already be causing.
If the accident that caused you such turmoil wasn’t your fault, then you likely deserve compensation for injury and damages from the at-fault driver. Usually, the at-fault driver’s insurance company provides the necessary compensation. But, what if the at-fault driver doesn’t have car insurance?
Despite the fact that not having car insurance is illegal and can result in a suspension of your driver’s license, there are plenty of people in Alaska who navigate the roads without it. This can pose serious problems when a car accident occurs because, in most cases, if the at-fault driver doesn’t have car insurance, then they can’t afford to pay out of pocket for the damages they have caused — similar to how you may not be able to handle the medical bills on your own.
If the at-fault driver who caused your injury is underinsured, your own insurance coverage is put to use. When you purchase car insurance, you pay a premium that is meant to protect you in the event of an accident with an underinsured or completely uninsured driver.
However, just because your own insurance may cover the cost of your injuries or damages, it does not mean you can’t file a claim against an uninsured or underinsured at-fault driver. For more information about how to handle a personal injury caused by an uninsured driver, it’s best to contact an experienced personal injury attorney. Getting the amount of compensation you may deserve after an accident can be more complicated in these cases.
How Do I Know if I Need a Personal Injury Attorney?
Most likely, you need an attorney, and here’s why. The attorneys at Ringstad Law Office, P.C. know the ins and outs of Alaska personal injury law and can answer any questions you have about your personal injury in Fairbanks, AK. Contact one of our attorneys at (907) 452-1205. Don’t hesitate to contact us after an accident with an uninsured driver; we can guide you through the process to make it as smooth as possible.