Your Legal Rights and Options When Struck By an Uninsured Driver

Did you know that one in eight drivers in the U.S. don’t have auto insurance? Even in states like Indiana, where it is required, drivers break the law, putting themselves and others at risk every time they drive.

Do you know your options if you are involved in an accident with an uninsured driver? Are there options to recover compensation for your injuries and damages?

Vaughn A. Wamsley, Attorney at Law, and his legal team constantly encounter these questions. Here, you can learn more about your legal rights and options, which will help you better navigate the aftermath of an accident with an uninsured driver.

Understanding Indiana’s Insurance Requirements

In Indiana, drivers are required to have a minimum amount of liability insurance. According to Indiana law, drivers must carry at least $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $25,000 in property damage liability. Unfortunately, many drivers fail to meet these requirements, leaving victims limited recovery options.

It is also important to note that all drivers must be offered uninsured or underinsured insurance coverage when they purchase auto insurance. They must also reject it in writing if they choose not to.
Knowing your steps and options is essential when you are involved in an accident.

You must first assess your insurance coverage when you’re involved in a car accident with an uninsured driver. Suppose you have uninsured motorist coverage, which is not legally required in Indiana but is highly recommended.

In that case, you can file a claim against your policy to recover damages. Understanding the nuances of auto insurance laws can often require guidance from a skilled car accident lawyer in Indianapolis.

Your Legal Rights After an Accident

When injured in a car accident caused by an uninsured driver, you have several legal avenues to explore. Your rights include:

• Filing a Claim with Your Insurance: If you have uninsured motorist coverage, contact your insurance company promptly. You might receive compensation for medical expenses, lost wages, and pain and suffering.
• Pursuing a Personal Injury Claim: If the uninsured driver has assets to cover your damages, you could pursue a personal injury claim. Even if they lack insurance, an Indianapolis car crash lawyer can assist in determining if the driver has sufficient assets for a judgment.
• Taking Legal Action: If negotiation with the insurance company fails, you may need to file a lawsuit. In Indiana, the statute of limitations for personal injury claims is generally two years from the accident date, a pivotal deadline to remember.

The Role of an Indianapolis Car Accident Attorney

Navigating the complexities of car accident claims, especially those involving uninsured drivers, can be daunting. Enlisting the help of an experienced auto accident attorney in Indianapolis can significantly strengthen your case.

An attorney can help gather evidence, negotiate with insurance companies, and advocate for your rights in court if necessary.

The Importance of Evidence

Having strong evidence is crucial when filing a claim. Essential documentation includes:

• Police reports
• Medical records and bills
• Witness statements
• Photographs of the accident scene

An Indianapolis car accident attorney can assist you in collecting and organizing this information, ensuring you have a robust case against the uninsured driver or your own insurance company.

Potential Consequences for Uninsured Drivers

Driving without insurance can have severe consequences for those who choose to risk it. In Indiana, penalties include fines of up to $250, driver’s license suspension, and the potential for higher insurance rates in the future once they are caught.

Additionally, uninsured drivers may face additional legal repercussions if found liable for an accident, such as lawsuits to cover damages sustained in an accident. Considering these factors when assessing your options after a crash is important.

We can help you understand all these cases’ aspects and protect your rights.

Protecting Your Rights After an Accident with an Uninsured Driver

Understanding your rights and options is essential if you are involved in a car accident with an uninsured driver. Having coverage, consulting with an experienced Indianapolis car crash lawyer, and gathering necessary evidence can provide you the best opportunity to recover from your injuries and damages.

Don’t hesitate to contact a qualified car accident lawyer in Indianapolis who can guide you through the process and fight for the compensation you deserve.

Vaughn A. Wamsley, Attorney at Law, is ready to review your case and help you understand your options. Call today to schedule a free case evaluation.