When another driver is at fault for causing you property damage or injury, you expect that their insurance will cover the costs of your hospital and repair bills. If an uninsured driver hits you, however, the right course of action may be unclear.
Because a catastrophic car accident can occur even when you least expect it, you should take proactive steps to protect yourself from all manner of driving incidents. One way to do so is by understanding how your insurance can help you when dealing with an uninsured driver.
Uninsured motorist coverage
Louisiana insurance law requires all drivers to carry at least a minimum amount of liability coverage on all vehicles they own. Even so, you might encounter an accident with an individual who unlawfully chooses to drive without the required coverage. If you choose to add an uninsured motorist coverage policy to your existing auto insurance plan, you will receive coverage in such a situation. Otherwise, you might have to rely on medical payments insurance in order to cover the costs of your treatment after the accident.
Taking the matter to court
While it is justifiable to file a lawsuit against the at-fault driver in an uninsured accident, this is a possibility that you should only act on after very careful consideration. There is no guarantee that you will receive a favorable settlement, and it is worth noting that a driver who chooses not to pay for car insurance might not have enough personal assets to pay out the compensation you need.
The process of getting the compensation you deserve can be difficult and seemingly unfair when an uninsured driver causes a disastrous accident. The best way to protect yourself is to tap into specific insurance policies. that you can put in place ahead of time.