Birmingham Uninsured Car Accident Attorneys
How Do I Get Compensation After Being Hit by an Uninsured or Underinsured Driver?
This is a question we hear all the time. It's not surprising, given that approximately 22 percent of Alabama drivers don't have enough insurance, or don't have insurance at all, for them and their vehicle.
Car insurance protects drivers when they're out on the road. Drivers pay insurance premiums throughout the year so that should they ever get into a car accident, insurance will be there to pay for it. This can be reassuring to drivers, who otherwise wouldn't have any recourse after being hit by another driver, or worse, are the victim of a hit and run accident. But when the other driver doesn't have any insurance, there is no insurance company that will pay out that compensation. And if a driver is underinsured, they either don't have enough insurance or they don't have the right kind of insurance, and this is just like not having any insurance at all. So, how can you get the compensation you deserve after being hit by an underinsured or uninsured driver?
The first solution is to try and sue the other driver directly. This can be a long and arduous process, and often, it's unprofitable. This is because drivers who take to the road without insurance do so because they simply can't afford the premiums that insurance companies charge. A judge will only award compensation based on what the defendant is capable of paying, and if they don't have money for car insurance, they most likely don't have the money to pay damages to someone they've hurt either.
Another option is to talk to your own insurance company, but this can have its own difficulties. The first is that a special kind of insurance is needed, so you have to get it when you first set up your policy with the insurance company. The other problem with this type of insurance is that insurance companies don't always tell customers about it so drivers don't always know it's available until it's too late. And, even if the insurance companies do tell customers about it when the time comes for compensation, those same companies will do everything they can to get away with paying a lower amount. They might try to say that the injuries aren't as bad as they really were, or that the person they've insured played a part in the car accident.
So what can you do if you've been hit by an uninsured or underinsured driver?
The simple answer, hire a good Birmingham car accident attorney, such as us at Guster Law Firm, LLC. We'll work hard to review your entire case, and build strong arguments that will clearly show that you were not at fault for any part of the accident. We will also make sure that if you have underinsured/uninsured insurance, you actually get the most compensation possible, and that you're not shortchanged by the insurance company. We are dedicated and we will be aggressive in fighting your case so that you can get the compensation you deserve.
Unfortunately, with one in every five drivers in Alabama not having car insurance, or not having enough car insurance, there's a good chance that at some point, you'll get into an accident with one of them. It's unfair to good drivers that have spent money on protecting themselves and others while they're on the road by getting car insurance, and we here at Guster Law Firm, LLC know that. Don't be left wondering any longer, and don't try to fight the insurance companies on your own.