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Being in a car accident can be a frightening experience. This feeling gets intensified if you discover that the at-fault driver doesn’t have car insurance. You may wonder about how your medical bills get paid and who pays to fix your car. Here is some information to give you a better understanding of what to expect in this situation.
1. Work With an Attorney
Being in an accident with an uninsured driver can feel overwhelming. This is an excellent time to consult with a car accident lawyer Jacksonville FL. An attorney reviews your case and advises on the best course of action. They may also be able to file a lawsuit against the other driver to hold them responsible for your medical expenses and damage to your vehicle.
2. Utilize Your Uninsured Driver Protection
One way to protect yourself and your automobile from uninsured drivers is to purchase additional uninsured driver coverage. When you have this optional plan, you file a claim with your insurance company after an accident with an uninsured driver. This part of your policy covers your medical expenses and lost wages.
3. Access Your Collision Coverage
Another option you may have with your insurance policy is to use your collision coverage to pay for fixing your car. While insurance may require you to pay a copay, it is often much less than the total cost of repair. Many policies provide you with a rental car while your vehicle is in the shop, so you can still get around town as needed.
Understanding what to expect if you are in an accident with an uninsured driver can keep you calm if it happens to you. Purchasing the optional uninsured motorist and collision coverage provides you with immediate help, and an attorney may be able to sue the other driver for your out-of-pocket expenses.