What To Do If You Have Been Injured By An Uninsured Motorist

Posted in November 30th, 2018
no comments

Let us face the reality: accidents happen inevitably whether or not we want them to. Accidents, especially ones involving vehicles, are one of the most stressful and expensive mishaps that can happen to us. Not to mention they are also one of the most dangerous and menacing to life and health.

While accidents do occur on a regular and day-to-day basis worldwide, the law has sought a way to protect its people from these unfortunate and unforeseen events by creating a system called insurance.

According to the legal definition of insurance set forth by the Code of Virginia, “insurance means the business of transferring risk by contract wherein a person, for a consideration, undertakes (i) to indemnify another person, (ii) to pay or provide a specified or ascertainable amount of money, or (iii) to provide a benefit or service upon the occurrence of a determinable risk contingency.”

By the system of insurance, you can be assured that you can be compensated for any expense or bodily injury you suffer because of a contingency which was not intended and may or may not be foreseeable, such as a car accident.

But what should you do if you ever find yourself involved in a vehicular accident where the erring driver turns out to be uninsured? Can you still recover proper compensation notwithstanding the absence of auto insurance? The answer is yes.

In law, we have what we call uninsured motorist coverage. In Illinois, the law requires motorists to have insurance coverage for liability and property damage. Coverage for an uninsured motorist claim is necessarily included in your liability insurance.

However, according to a study conducted by the Insurance Information Institute, it was found that almost 13.3% of Illinois drivers are uninsured.

In cases like this, the law requires insurance companies to offer their policyholders coverage for an uninsured motorist claim. This means that your insurance company is mandated by law to extend their coverage to losses and injuries you sustain following a mischance encounter with an uninsured motorist.

To make sure that you can fully assert your rights and get the compensation you are fully entitled to, seek legal help. You can do this by calling a law office or going to an attorney website so that you can inquire about your potential case.

The reason why you need to seek the help of legal counsel is because more often than not, insurance companies do not have your best interests in mind. They strive to limit your claim at the lowest rate possible so as to make a low settlement payout which is likely to be unjust and improperly valued.

Moreover, make sure that you hire a lawyer who has a long list of success and experience in handling uninsured claims like this. Also, be sure to take steps promptly and within a reasonable time so that you can have your claim more effectively represented.

The matters involved in a car accident with an uninsured driver are complex and require a competent and adroit set of skills to be effectively defended. It will involve many areas of law such as insurance law, law on contracts and personal injury law.