What To Do When An Uninsured Driver Has Crashed Into Your Car

You are in an accident and your car has been totaled, but you feel confident the other driver will pay for the damage, unless, of course, he or she has no insurance. In this case, it might be difficult to secure the funds to cover the damage. While drivers are required in some states to get liability insurance, many cancel their plans after buying their car. If the other driver was at fault but uninsured, what you can do depends on what state you live

1. Tort laws

If your state follows the tort model, the person who is responsible for the accident pays damages.

This, of course, is a problem if the other driver is uninsured.

2. No Fault

If your stat accepts no fault, each insurance company pays for the damage suffered by the insured. The problem with this is that

• It could mean a higher premium

• It might impair your ability to sue later

• Why should your insurance pay if it wasn’t your fault?

3. Legal action

If the driver is uninsured, he or she is putting you and everyone else in danger of not being able to recover funds to pay for damages and injuries. This in itself shows a lack of responsibility, in addition to the accident. For more information on an uninsured driver lawyer in Clinton, browse this website.