Injured by an Uninsured Driver?

Being injured by an uninsured defendant after a car accident can be a scary experience. But there are steps you can take to protect yourself and receive the compensation you deserve. In this comprehensive guide, we explain a few steps to take when injured by an uninsured driver.

Step 1: Check Your Own Insurance Policy

The first course of action when injured by an uninsured driver is to review your own insurance policy. Check to see if you have uninsured motorist coverage (UM). UM coverage can help cover your medical expenses, property damage, and other losses in case you’re involved in an accident with an uninsured or underinsured driver. If you have UM coverage, it can serve as a safety net during such situations.

Step 2: Review Family Members’ Policies

If you reside with family members, it’s important to review their insurance policies as well. Some insurance policies may extend UM coverage to family members residing in the same household. It doesn’t matter if they were in the vehicle at the time of the accident. This additional coverage can be invaluable in ensuring you receive the compensation you need.

Step 3: Consider Employer’s Uninsured Motorist Coverage

Were you on the job when injured by an uninsured driver? If so, it’s worth exploring whether your employer provides uninsured motorist coverage. This benefit may apply to employees who are injured while performing work-related duties. Employer-provided UM coverage can come to your aid if the at-fault driver doesn’t have insurance.

Step 4: Pursue Workers’ Compensation

If you were working at the time of the accident and sustained injuries, you may be eligible to pursue workers’ compensation benefits. Workers’ compensation is designed to provide medical coverage and wage replacement for employees injured in the course of their employment. Consult with an attorney to explore this option further and determine if it applies to your situation.

Step 5: Contact An Experienced Lawyer

Dealing with an uninsured defendant can be a challenging experience, but by taking the right steps and exploring various avenues of coverage, you can protect your interests and secure the compensation you deserve. Remember to consult with an experienced attorney from Anderson Franco Law to navigate the complexities of your specific case and ensure your rights are upheld.

If you find yourself in such a situation, don’t hesitate to reach out to Anderson Franco Law. We have years of experience representing personal injury victims.. Our team is here to help you every step of the way, ensuring you receive the justice and compensation you deserve.