Even though you need insurance as a driver on the road, many motor vehicle operators drive without liability insurance. According to the Insurance Research Council, approximately 12.6% of motorists you see in the United States will not have insurance.
Here are three potential actions you can take if you get injured by an uninsured motorist.
Use medical payment coverage
If you opted for medical payment coverage, often called med pay, you can use money from that policy towards medical costs. Med pay is an option within your insurance coverage that you can use regardless of who is at fault in the accident that caused your injuries.
Use health insurance
You can use your health insurance policy to receive medical treatment for your injuries. Additionally, regardless of any settlement, alternative payment source or compensation you may receive, you can pay your medical bills using your insurance instead of attempting to have the medical provider attempt to collect directly from these other sources.
File a lawsuit
If you are not at fault, you can file a lawsuit against the at-fault party in the accident. This allows for the at-fault driver to compensate you directly instead of the insurance company.
In some cases, you can find yourself in a situation where the driver has insurance but has insufficient coverage for the damage and injury caused. You can take the same actions you would take for an uninsured driver and use your uninsured/underinsured motorist policy if you had opted to add this coverage to your insurance package.
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