Accidents with Uninsured Motorists
If you or someone you love has been involved in a Pennsylvania auto, truck, or motorcycle accident, you may want to file a personal injury lawsuit. In many cases, an insurance company is responsible for compensating an individual. But there are also situations where an at-fault drivers do not have insurance. Because while Pennsylvania law requires all Pennsylvania motor vehicle owners to maintain vehicle liability insurance, not every driver does.
Unfortunately, accidents happen. When an incident occurs, it can happen with drivers who are insured, underinsured, and uninsured. Each situation has its own set of concerns. Whatever your situation, you need to talk to an experienced personal injury lawyer to advocate for you.
Types of Injuries with Auto Accidents
There are many factors that can contribute to a claim. That said, there are a few key elements that can help you to discuss your initial situation with an experienced attorney. One of them is determining your type of injury.
Some of the bodily injury damages from vehicle accidents:
- Medical bills, including doctor fees and hospitalization
- Out-of-pocket expenses
- Lost income due to injury
- Pain and suffering
- Expenses from a burial
Typically, if a serious injury occurs, it can take a while to resolve your case. While the time delay can be stressful, in some instances it is necessary to understand the complete cost of medical treatment. Once a victim is stabilized, lawyers can assist the damages and discuss the possibility of future medical expenses with your health care team.
Medical bills, costs from primary providers, specialists, test and hospital charges can add up. While your personal medical insurance may cover a portion of these expenses it will likely not cover all. There can be similar issues if the at-fault driver had insurance but not enough. Underinsured drivers can create as many issues as uninsured drivers.
Personal Assets of Uninsured Drivers
There are times when it is appropriate to file a claim against an uninsured driver after an automobile accident but that is not always the case. Sometimes, in Pennsylvania, drivers who are the victims have to pay their own medical expenses. The main issue is if the uninsured driver has personal assets. If there are assets, litigation may be possible. But if the uninsured at-fault driver is without financial assets, there may be no way to secure compensation for expenses and bills.
Personal coverage for underinsured and uninsured drivers is a possibility but, of course, that has to be secured on your own insurance prior to the accident. It is something to think about if you are looking to protect yourself from the negligence of others moving forward.
It is illegal to drive without insurance because it can be difficult for victims to be compensated fairly. That said, each situation is unique. A Bucks County personal injury attorney at Kardos, Rickles & Hand will work with you for the best possible outcome, whether that is through the liable driver or your insurance company. Schedule your free consultation today, call 215-968-6602.