Figuring out how to pay your expenses after a car accident can be challenging, to say the least. Ideally, you’d simply turn to your or the negligent driver’s insurance policy for coverage, thereby securing quick payment to offset your losses. In reality, though, that isn’t always possible. This is especially true if the driver who caused your accident was uninsured or underinsured. Do you have any options for recourse in this situation?
What can you do after being injured by an uninsured or underinsured motorist?
Fortunately, there may be options for you to secure compensation even though the driver who caused your accident was uninsured or underinsured. Your first option is to simply rely on uninsured or underinsured provisions in your own insurance policy. If you’ve purchased this type of coverage, then you might be in a strong position to recover the funds needed to pay for medical expenses and rehabilitative care, as well as lost wages.
If you don’t have this type of coverage, though, then you may have to sue the driver. Before doing so, you should assess their ability to pay. Hopefully the driver will have enough in savings to cover your losses, but even if they don’t you may be able to secure a judgment against them and then obtain an income withholding order so that you receive payments on a consistent basis until you’re made whole.
Explore your options after being injured in a car accident
There’s a lot to deal with in the aftermath of a serious car wreck. But you can’t let the chaos of the situation cloud your judgment. Instead, you should take the time needed to focus on yourself, regroup and think through the legal actions that have to be taken to protect your interests. By doing so, you’ll hopefully develop a plan that maximizes your chances of securing the personal injury case resolution that you want while protecting your future as fully as possible.