What If the Driver Who Caused the Accident Doesn’t Have Insurance?
If you’ve ever been in a car accident, you know how stressful the situation can be, which is why it pays to know an effective car accident lawyer serving St. Paul, MN. Emotions are high due to the rush of adrenaline. You are trying to figure out who was at fault for the accident. You need to gather witnesses to prove the accident wasn’t your fault. You are looking at your car to see if it is driveable or if you need to get it towed and somehow find your way to where you were going. Then you need to figure out how you are going to fix your car and what type of temporary transportation you will need. Plus, if you were injured in any way you need to deal with potential hospital stays and recovery processes.
After all of this, you still need to deal with your insurance company. Accidents are stressful enough. You shouldn’t need to deal with uncooperative insurance companies. You need to focus on getting your life back to normal. That’s where an insurance lawyer can help.
A car accident lawyer St. Paul, MN residents trust knows that almost every state has laws requiring drivers to carry at least some type of car insurance to protect themselves and other drivers on the road. Unfortunately, some people drive illegally without proper car insurance. When an accident occurs as the fault of an uninsured driver, getting compensated for damages and injuries can be difficult. If you find yourself in this situation, it is important to stay calm, contact Johnston | Martineau PLLP, and follow the proper steps.
- Gather the Driver’s Information
After an accident occurs, you should report the accident to the police and obtain all of the necessary information from the driver. You should get the driver’s name, address, phone number, and registration information, as well as document the accident and the scene of the accident. If they don’t have insurance, it is imperative that it is verified and reported by the police so you can make a claim with your own insurance company.
- Examine Your Own Policy
If the other driver has no insurance policy, then you will need to look at your own insurance policy to determine coverage for your situation. An experienced car accident lawyer in St. Paul, MN can explain that if you have uninsured or underinsured motorist coverage, then your insurance may cover some of the damages of the accident. You may, however, still be left with a high deductible. Collision coverage may still cover the accident depending on the terms of the policy.
- Speak with a Car Accident Lawyer St. Paul, MN Clients Depend On
If your insurance doesn’t cover the accident or you do not want to risk going through your insurance company, you may have grounds for a lawsuit against the uninsured driver. A lawsuit will hold that person liable for the damages caused by the accident. Whether you can file a lawsuit depends on the state where the accident occurred. In a no-fault state, you are not able to file a lawsuit against a driver unless serious injuries were sustained. If the accident occurred in a state that doesn’t have a no-fault law, then you should speak with a car accident lawyer St. Paul, MN families contact as soon as possible to determine your options.
Unfortunately, filing a lawsuit does not ensure that you will be compensated for monetary damages. A car accident lawyer St. Paul, MN locals rely on understands that, often, people driving without car insurance do not have many assets, so they may be incapable of paying a settlement even if one is reached. In such case, the legal process can be expensive and time-consuming but with no payout, which can actually do more harm than good.
Though you may not want to pay a deductible or risk high premiums, filing with your insurance company might end up being the viable option. An experienced St. Paul, MN car accident lawyer can look at all of the circumstances and determine the best course of action to take. In addition, he or she can help to protect your interests and legal rights throughout the ordeal.
An car accident lawyer St. Paul, MN knowledgeable in insurance works with your insurance company on your behalf to make sure your claim is being processed correctly. Car accident nsurance lawyers typically step in when you believe that you are being treated unfairly – or in bad faith – by your insurance company.
Insurance companies have an obligation to their customers to treat everyone’s claim in good faith, but sometimes situations occur when that is not the case. If you are being intentionally ignored by your insurance company, not being offered a valid reason for why your settlement is lower than you expected, or your claim is being outright denied, then you may have been treated in bad faith.
Why do you need an insurance lawyer after a car accident?
There are many reasons you would need an car accident lawyer St. Paul, MN to help negotiate with your insurance company after you’ve been in a car accident. If it was decided that the car accident was your fault, you could be met with a lawsuit. The other driver may decide to sue you for damages and you would need an car accident lawyer in St. Paul, MN to work with your insurance company and the other driver’s insurance company to sort out the situation.
An insurance lawyer will fight for you to receive the settlement you are entitled to receive. If the accident was not your fault, they will work with the other driver’s insurance company to ensure you receive payment. An insurance lawyer is also well versed in state insurance laws and can make sure your insurance company isn’t breaking the law while processing your claim.
Finally, an insurance and car accident lawyer in St. Paul, MN can give you peace of mind. As mentioned earlier, there are a lot of things to think about after you’ve been in a car accident. You don’t need to be spending your time and energy arguing with your insurance company. You pay them their monthly premium for a reason and you expect to be treated fairly. But, if a time comes when you feel you aren’t being treated in good faith, you should reach out for help. You focus on healing, while a professional can focus on getting you the settlement in which you’re entitled.
To find out how a car accident lawyer St. Paul, MN families trust can help you, contact Johnston | Martineau PLLP at our office to discuss your legal options. Call us today!