Brandy Austin Law Firm PLLC
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Car Wreck Lawyer

Car accidents are inevitable, and when you find yourself as the victim of an accident, there are a lot of things that can be unsettling. One of those things is watching the medical bills come rolling in after finding out the at-fault driver was uninsured. How are you going to pay for those bills? What if you have to miss work and are therefore missing out on one or more paychecks? The good news is, you do have options, and the following are a few things to consider.

Uninsured Motorist Insurance Coverage

As an insured driver yourself, you may have coverage called “uninsured motorist.” This is a protection for these exact situations. It will cost you more to add to your policy, but the payoff is great when you consider how much you could end up owing after being in an accident. This type of coverage is required in a few states, so if you’re lucky enough to live in one of those, you’re probably already covered. If not, be sure you look into it and add it to your policy before the next time you get behind the wheel.

Also, keep in mind there are different deadlines that apply to uninsured motorist coverage. It’s possible you’ll only have 30 days to file a claim, so be sure you get things moving as soon as possible after an accident.

Auto Collision Coverage

Another type of coverage you could add to your auto insurance policy is a collision. This doesn’t pay for any medical costs or damages such as pain and suffering, so you’ll need to seek that elsewhere. It does pay for car repairs, though there is a limit at which it caps off.

Car Accident Lawsuit

You could recover compensation from the uninsured at-fault party through a car accident lawsuit. Your lawyer can help you determine which damages to seek, and that may include medical expenses, pain and suffering, lost wages, loss of future earnings, and a variety of others. Something to remember is many people who are negligent in obtaining proper auto insurance may not be in the best financial situation. If there is nowhere for the court to pull settlement money from, you may never see a penny of it, even if you are entitled to a large sum.

Working With a Lawyer

In any car accident case, it’s best to work with a lawyer. He or she can help you work through the insurance process, as well as the legal process should you sue the at-fault driver. Contact your car accident lawyer, like a car accident lawyer today to get started.