Accidents Involving Two Uninsured Parties: All You Need To Know
You must ensure that your insurance is active at all times as a responsible car owner. Expired insurance can get you into trouble with the authorities. Besides that, being uninsured exposes you to significant losses should you get into a road accident. And the situation might worsen if the other driver is not insured as well. This could mark the beginning of a lengthy court battle. In this case, you should strive to get justice and accrue minimal losses. Read on to know what you can do when you're involved in a collision, and none of the drivers is insured.
The Options to Explore In Such a Situation
All states have strict insurance laws that prescribe penalties for motorists who drive with expired insurance. But in many cases, the punishments aren't severe, more so for drivers with a good traffic history.
If you've been in an accident with uninsured parties, you have the right to sue the person who caused the accident, even if you're not insured either.
If the other driver is insured, their insurer will appoint representatives to negotiate on behalf of the company. However, their experienced team might outwit you, making you accept an unfavorable settlement if you negotiate the settlement alone. For this reason, it is advisable to hire an auto accident attorney to represent you in the negotiations.
How the Issue Might Affect You
Suing the person who caused the accident will enable you to seek compensation. However, the issue may also affect you if you lack insurance coverage. For example, the insurance company can use this against you in court. This puts you at risk of prosecution when you appear in court to testify against the at-fault party.
Besides that, the judge might suspend your license or slap you with a hefty fine for violating the insurance laws. The other driver may also sue you even if you have a pending case in court seeking justice for your injuries. For example, they can persuade the judge to believe that you partially caused the accident and demand compensation.
An accident involving you and an uninsured driver can affect your life significantly. However, the consequences you face will depend on your measures after the incident. To get a lesser punishment, enlist the help of a car accident lawyer. Since they have handled similar situations, they will find a suitable approach to tackle your case.
Contact an accident attorney near you for more information.