Don’t Let Someone Else’s Negligence Cost You
After suffering the pain and stress of a car crash, there is little worse than discovering the driver responsible does not have insurance. Despite Utah law requiring drivers to carry insurance, many drivers continue to drive without it. In fact, more than 1 in 20 drivers in Utah are uninsured. All of these drivers are breaking the law and putting others on the road at risk. If you’ve been hit by an uninsured driver, you should not have to pay for another driver’s damage and carelessness.
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Many drivers in an accident with an uninsured driver think they have no other option to cover the damage but to pay for it themselves. This couldn’t be further from the truth. If you’ve been in an accident with an uninsured driver, you can get compensation from your insurance company as part of your uninsured and underinsured coverage policy. Another option is to file a civil lawsuit against the other driver. However, even with these options, filing a claim on your own can be confusing, frustrating, and stressful. Hiring an attorney can save you from this added stress and guarantee you get the most out of your claim.
The first step to taking action is knowing your options. Drivers who are insured and are not at fault can file a claim with their own insurance companies. But, severe cases may require more than your insurance company will offer. While health insurance will pay for your medical care, it will not pay for lost quality of life, lost wages, or pain and suffering. Because of this, it would be smart for you to contact an experienced personal injury lawyer to discuss your options. Your own insurance company may also pay your fault of the accident through contributory negligence. For example if you are found 34% liable, the insurance will only pay 34% of damages. To learn more about these and other options, click the link above.
What is the legal minimum amount of insurance coverage for drivers? What are the fines for driving without insurance? What is underinsured insurance coverage? Get the answers to these and seven more common questions about uninsured motorist accidents by clicking the link above.
Underinsurance occurs when a driver hits another person and causes damages above what his or her insurance covers. This usually happens when the accident is more severe, with high medical bills. To see examples and read more, click the link above.
Utah law requires drivers to carry Uninsured Motorist Coverage (UM). The amount covered by your policy must match your liability coverage. However, you can choose to waive this coverage or have a smaller amount than the law requires–something we do not recommend. A vehicle is considered uninsured if a driver 1) has no insurance at all, 2) has less insurance than what Utah law requires, 3) leaves the scene of the accident, 4) is covered but the insurance company denies the claim for 60 days, or 5) is covered but the insurance company dissolves before or after the accident. You have up to three years from your accident to pursue any legal action against an insurance company. To learn more about uninsured motorist laws, click the link above.
According to the Insurance Research Council, one in every seven drivers in the United States is uninsured. In recent years, Utah has done much to reduce the number of uninsured drivers on the road. The results have been an uninsured motorist rate far below the national average–but there is still room for improvement. Learn more about uninsured motorist statistics across the country by clicking the link above.