What if the driver who hit me doesn’t have insurance?
The best action to take when an uninsured driver has hit you is to call the car accident attorneys at the Law Offices of Dianne Sawaya immediately. While the legal system allows for the recovery of damages from uninsured drivers, it is still a complicated area of personal injury law.
In Colorado the person who causes the accident is responsible for covering damages caused by the crash. Normally, the at-fault person’s insurance company would cover these damages. Unfortunately, there are many people who choose not to carry insurance—a choice which is illegal. When you’re the victim of an accident where the at-fault driver is uninsured, things get complicated.
In the event that this scenario has not already happened to you but you are merely looking for advice, our first suggestion is to purchase uninsured/underinsured motorist coverage through your auto insurance. While you pay more up front, you would pay even more in the event that you are in an accident with an uninsured driver. Having uninsured/underinsured coverage is necessary protection that you can’t afford to be without.
In the state of Colorado, drivers are required to have the following minimum liability coverage:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $15,000 per accident for property damage
However, even with these minimums, drivers who do have insurance can be underinsured in terms of proper coverage for providing full compensation to you in the event of a traffic accident. If you file a claim with the at-fault driver’s insurance when they are underinsured, chances are the amount that will be given to you will be nowhere near enough to cover the damages.
When you’re dealing with an uninsured or underinsured driver, it’s important to give our car accident lawyers a call. When you’re trying to recover from the accident, the last thing you want to be concerned with is your ability to cover hospital, car repair, and other related bills. We can help you through this difficult time. When you decide to file a suit against the at-fault driver, you will need proper representation to guide you through the complicated legal process. Court proceedings may be necessary in order to determine if the driver was in fact at-fault and, if so, what damages he or she owes you. Call us today at the Law Offices of Dianne Sawaya and find yourself on the path to proper compensation.