One of the biggest fears many drivers hold is being hit by an uninsured driver. This is a legitimate fear as, frequently, when an uninsured driver is involved, it is more difficult to recover damages than it would be if the driver were insured.
Even when the victimized driver carries car insurance, recovering damages from a car accident can be very difficult if the person that caused the injuries or the accident does not have insurance at all or is underinsured. Compounding the problem is the fact that frequently, when a driver is uninsured, the cause is economic reasons. Basically, the driver is uninsured because he or she cannot afford car insurance.
A number of insurance carriers offer uninsured and underinsured motorist coverage. This type of coverage allows a driver to collect damages from his or her own insurance company if the driver is hit by another driver that is either uninsured or underinsured.
In the event that this is not available or is insufficient, it may be possible to pursue legal action against either the insurance company or the uninsured driver for the costs of the accident. While filing a lawsuit against an uninsured driver may be something that a person can do on his or her own, when taking on an insurance company, a person should really have a competent and experienced car accident attorney on his or her side.
Contact a Minneapolis Car Accident Attorney
If you have been injured in an accident involving an uninsured or underinsured driver, contact the Minneapolis car accident attorneys of Terry, Slane & Ruohonen, PLLC at 612-362-0000 to discuss your case and to determine what legal options exist.
