Why An Uninsured Motorist Equals A Windfall In An Accident For You
Posted on: 12 January 2020
Nobody likes to think about what can happen in an accident. Worst of all, to get into an accident with an uninsured motorist seems like the very worst of situations. However, as any uninsured motorist attorney will tell you, it can actually equal quite a monetary windfall for you, and here is why.
It Is Illegal to Be Uninsured
In almost every state in this country it is now illegal to be uninsured. You can drive around with no insurance, but you definitely do so at your own risk, because if you are pulled over by a police officer you would receive a ticket/fine. If you are in an accident where you are uninsured, that is worse because you will receive much higher penalties, fines, tickets, and points off your license.
When it is the other driver that is uninsured in your accident, he/she faces most, if not all, of those consequences. It may not be enough to "encourage" him/her to get car insurance going forward, which is why a lawsuit against him/her will reinforce the fact that it is illegal to be uninsured. It also means you can sue for the maximum allowed under law for being in an accident with an uninsured motorist.
The Uninsured Driver Cannot Use His/Her Non-Existent Insurance to Cover Your Expenses
In cases where both drivers are insured, one or both insurance companies involved will cover the costs of the other person's vehicular damages, medical bills, etc. When the other motorist is not insured, the bulk of the insurance claim falls to your insurance, which drives up your rates, and makes it even more expensive for you to drive. You are stuck with all of the bills from the accident, too, which you should not be. Suing the uninsured motorist ensures that your bills, injuries, and related expenses will be taken care of and completely covered.
You May Be Able to Attach Your Attorney Fees Too
Because you have had to pursue a lawsuit against an uninsured motorist, an action you would probably not have taken with an insured motorist, you may be able to attach your legal fees to the amount for which you are suing. Whether or not you are awarded those fees is another question, but you can attach them to your case. Then you would get more money for your case and not have to pay much in the way of legal fees.
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