Being hit by a driver while in a crosswalk can be a traumatic experience. If you find out that the driver doesn’t have insurance, it’s natural to have concerns about how to proceed. Here’s what you need to know:
Exploring Legal Options
If the driver who hit you doesn’t have insurance, it doesn’t mean you’re without recourse. You have two potential courses of action:
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1. Pursuing Personal Assets
If the driver has personal assets like a home or a car, you can consider reaching those assets to cover your damages. However, this route can be complex and may involve legal processes. It’s important to consult with a personal injury attorney to understand the feasibility and potential challenges of this approach.
2. Filing an Uninsured Motorist Claim (UIM)
Another option is to file a claim with your own insurance company if you have the appropriate coverage. This type of insurance is commonly known as Uninsured Motorist Coverage (UIM). It’s designed to protect you in situations exactly like this, where the at-fault driver is uninsured or underinsured.
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The Importance of Uninsured Motorist Coverage
Having Uninsured Motorist Coverage can be a lifesaver in cases where you’re hit by an uninsured driver. This coverage steps in to compensate you for medical bills, lost wages, pain and suffering, and other damages that you might otherwise be left to handle alone. It ensures that you’re not unfairly burdened due to someone else’s negligence.
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Consulting a Personal Injury Attorney
Dealing with the aftermath of a pedestrian accident can be overwhelming, especially when insurance complexities are involved. Consulting a personal injury attorney is highly recommended in these situations. An experienced attorney can help you navigate the legal options available to you, guide you through the claims process, and ensure that you receive the compensation you deserve.
In Summary
Yes, you do have legal options as a pedestrian victim even if the driver who hit you doesn’t have insurance. Exploring the driver’s personal assets and filing an Uninsured Motorist Claim are two avenues you can pursue. Having Uninsured Motorist Coverage is a valuable safeguard in such cases. To make informed decisions and secure your rights, consulting with a personal injury attorney is essential.
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