If you are involved in a motor vehicle accident, one of the first things you should do is exchange insurance information with the other driver.
Note: Don’t worry about this if you have been seriously injured and require immediate medical attention. There will be time to figure this out at a later date, as your health is more important than anything else.
While you expect that the other driver has car insurance, this isn’t always the case. There are a lot of people out there without insurance, despite the fact that it is required by the law.
If you find yourself in this position, how you move forward depends on a variety of details. For example, it depends on whether or not the state is no-fault or tort.
In the event that the other driver doesn’t have insurance and your own policy won’t provide enough coverage, you may need to file a lawsuit for damages. Despite the fact that this can be both costly and stressful, it may be something you have to do. After all, you may find yourself facing mounting medical bills as well as a damaged vehicle.
The only thing you can do is ensure that you have a comprehensive insurance policy in place. While you hope that you’re never involved in an accident with an uninsured driver, it could happen at some point in time.
If you find yourself in this position, don’t wait to learn more about your rights. If this means filing a lawsuit in Delray Beach to recover compensation, it’s time to consider the steps for doing so.
Source: Esurance, “myth: uninsured and underinsured motorist coverages aren’t necessary,” accessed Sep. 21, 2016