If you or someone you love was injured by someone who did not have insurance, a personal injury lawyer might be able to help you learn more about other options for collecting the financial compensation you desperately need.
Depending on the cause of your injuries, you might seek compensation from:
- PIP or uninsured motorist protection if you were injured in a car accident
- Homeowner’s insurance if you were injured on residential property
- Suing someone in a small claims or personal injury court case
- Suing a business or corporation if you were injured on a commercial property
If police or emergency medical technicians respond to the scene of your wreck, and the at-fault party is there, you may find out whether they are insured immediately.
In other cases, you may not know this information for several days. A personal injury lawyer could uncover their insured status and help you understand more about what happens if you get injured without insurance.
Get a Personal Injury Lawyer to Help You
If you are injured by someone else’s negligence, you may want to contact a personal injury legal team immediately. Early guidance and support from a personal injury lawyer at our firm could:
- Promptly identify the at-fault party in your case
- Determine other compensation sources that apply to your situation
- Ensure the deadline to file an injury lawsuit in your state is met
Early involvement might also ensure that photos are taken of your injuries and of the place where your injuries occurred. It can also mean an investigation can begin, evidence can be quickly collected, and witnesses can be interviewed right away.
Determining Your Financial Damages
The days and weeks after an injury might be physically and emotionally stressful. When you find out the person or entity responsible for your injuries was uninsured, you might be left with added stress and financial concern. Whether you collect financial damages from the at-fault party in court, from your own insurance policy, or from a business or corporation, you may be entitled to compensation for these damages:
- Past and ongoing injury-related medical bills
- Past and ongoing lost wages
- Physical pain and suffering from your injury
- Mental and emotional trauma
- Property damage or total loss
A personal injury lawyer from our firm might be able to help you find other ways to collect these damages. Provide your lawyer with any information you exchanged with the at-fault party or with copies of your accident or incident report.
Check for Optional Insurance Coverage
If your personal injury lawsuit stems from a car or truck accident, you might have options for financial compensation through your auto insurance policy.
According to Insurance Information Institute (III) research, up to 13% of all drivers are uninsured. Your lawyer may read and review your insurance policy to see if you have uninsured motorist coverage that can be used to cover your expenses.
If the person who caused your injuries has homeowner’s or renter’s insurance, your lawyer might be able to help you get coverage for your bodily injuries and damaged or destroyed property, according to additional III data.
Get a Lawyer to Represent You in Court
As the injured party in a personal injury lawsuit, you might be able to seek compensation by suing the at-fault party personally. If you choose this course of action, you become the plaintiff, and the at-fault party becomes the defendant.
Building a successful lawsuit may include:
- Gathering evidence
- Valuing your lawsuit
- Filing your lawsuit on time
- Requesting a court date
- Conducting discovery sessions
- Presenting your case in court
Preparing and presenting an effective court case takes time and attention to detail. On your own, this might be very difficult.
With the help of a personal injury lawyer, you can focus on getting better while your lawyer handles your court case.
Get a Lawyer to Negotiate a Settlement for You
Most personal injury lawsuits are settled without going to court, and you may prefer to have yours settled without going to court. That typically means reaching a settlement agreement with the at-fault party’s insurance provider.
If they did not have insurance at the time you were injured, your lawyer might be able to reach a settlement with the at-fault party personally or with an alternate insurance source.
When your lawyer fights for a financial settlement, they can help assign an accurate value to your lawsuit, ensure it meets the legal requirements of your state, and ensure that you comply with all filing deadlines.
Call Farmer & Morris Law, PLLC, Today
To learn more about what happens if you get injured without insurance, contact the personal injury team at Farmer & Morris Law, PLLC, today.
Call us at (828) 286-3866 for your free case review with a member of our team.