Driving is a privilege, not a basic right. Those who want to drive on public roads have to comply with numerous requirements set by the state where they live. Driving is dangerous, so every motorist needs safety training. The laws intended to reduce crashes are also complex, which means that people need special instruction to understand the rules of the road.
Drivers must prove proficiency with both the control of a vehicle and a technical understanding of the law to secure a driver’s license. Every driver also needs to register their vehicle with the state government and pay for motor vehicle liability insurance coverage. Unfortunately, some people break the laws intended to protect everybody on the road.
There are those who knowingly drive without licenses. Others don’t have proper insurance. What if a driver without insurance causes a crash that wrecks your vehicle or leaves you hurt?
There may still be insurance coverage
You may already realize that uninsured motorists put you at risk, which may have inspired you to invest in extra insurance coverage. Uninsured motorist protection is one of the most common additions to basic policies. If you paid for such coverage before the crash, then your insurance can pay for what the other driver’s coverage should have but won’t because they don’t have an active policy.
In rare cases, such as when someone drives for their job but does not have insurance, their employer may have coverage that can compensate you. Otherwise, you may need to look into a personal injury claim.
Lawsuits are possible for those harmed by others
The civil courts provide justice for those affected by the bad behavior or thoughtlessness of others. Both negligence and lawbreaking provide grounds for personal injury lawsuits. You can take a driver who causes a crash to court for property damage losses and any expenses you incurred because of an injury, such as lost wages or medical care costs. Sometimes, you may even have grounds for a claim against a business because of a defective product or negligent employment practices.
Looking into all of your options can help you cover the costs caused by a collision with an uninsured driver.