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Uninsured Driver Q&A

I Was Involved in a Car Accident where the Other Driver Did Not Have Insurance. What Should I Do Next?

There are thousands of drivers on the road Without Insurance Coverage today. Consider a scenario in which you are at a red light, minding your business, and a vehicle crashes into your car from behind. You are injured, and require treatment. Then, you find out that the vehicle that hit you has no insurance. That is when you should contact a qualified law firm to handle this matter for you. At The Law Offices of Greg Prosmushkin, P.C., our attorneys and staff have handled thousands of cases where this is an issue. The consultation is free so call us today.

So what should you do next? The answer to that question in typical scenario described above will depend on a number of facts. First, if you were struck by an "Uninsured" car, and the driver is also "Uninsured," then you will not be able to obtain any money from them for your pain and suffering. If you did not have your own car insurance, then whatever damage done to your car would have to be fixed by you. If you were insured and carried comprehensive and collision coverage, then you would be able to have your own insurance company fix your car (less a probable deductible). At The Law Offices of Greg Prosmushkin, P.C., we deal with these issues on a daily basis.

What Should I Do Next if I Was Involved in a Car Accident where the Other Driver Did Not Have Insurance?

Pennsylvania is a "no fault" state. This means that the law requires that anyone driving a car must drive with insurance (it's called financial responsibility in Pennsylvania). Therefore, your medical bills are to be paid out of your own insurance coverage. There is no fault attached to those bills, so your rates will never go up. The real question at this point is whether you are going to be able to receive money for the damages that you sustained to your body and earning potential from the other uninsured driver. This will depend on whether you have Uninsured Motorist Coverage on your insurance for the car(s) that you own. If you do, then you simply make a claim under your policy for those benefits and your insurance company will stand in the shoes of the uninsured wrongdoer. Uninsured motorist coverage is essential in this day and age because so many people drive without financial responsibility (insurance). In the situation where you own a car that is insured, however, without the Uninsured Motorist Coverage, then under the example above, you would not be able to collect anything for your damages. Protect yourself, your family and your loved ones by contacting The Law Offices of Greg Prosmushkin P.C. We can help, and the call is free.

This content was written on behalf of Greg Prosmushkin.

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