Every single driver in the United States has a legal obligation to ensure that their vehicle is properly insured. Of course, the individual regulations differ between states, but typically each vehicle must have a certain level of property damage and personal injury coverage in order to be legally fit to drive.
In spite of this, statistical estimates indicate that one in every six drivers does not have the legally required insurance. Even more troubling is the fact that it is uninsured drivers who are typically the likeliest to be involved in a fatal accident. This not only makes the roads more dangerous for insured drivers, it also adds an unnecessary layer of complexity to legal proceedings in relation to any accidents resulting in wrongful death.
What difference does it make if the accident involves an uninsured motorist?
While insurance is designed to shield drivers financially if they are caught up in a road accident, the situation becomes a great deal more problematic when the other driver involved does not have the required insurance. Essentially, it does not matter how rigorously you stick to the speed limit- all you need is one uninsured driver to undo a lifetime of safe driving.
If both drivers involved in an accident have the right insurance, the situation can usually be resolved without too much hassle. The insurance provider who issued the coverage for the driver responsible will provide the settlement to cover medical bills and other costs resulting from the accident.
But if the driver responsible has no insurance coverage, the victim may be left in a situation where they are expected to cover all their own medical expenses and any other costs. Depending on how bad the accident was, this could amount to many thousands of dollars. This is clearly unfair, and can leave even insured drivers in a very precarious financial position.
Available Compensation Options
Fortunately, there are other options available to insured drivers who find themselves stuck with a hefty bill because of another driver’s recklessness. For instance, one course of action would be to take the other driver to court. This will probably result in the driver receiving a fine and/or losing their driver’s license. But it is also possible to obtain monetary compensation via this route.
Talk to our Wrongful Death attorneys- we are happy to help
If your loved one has lost their life as the result of an accident caused by an uninsured driver, you deserve to receive as much compensation as possible. That’s why you should get in touch with us straight away. We can provide assistance and support to help you through this difficult time, and to help you recover damages for any expenses as well as the mental anguish you have suffered.
Give the Stephens Law Firm, an experienced negligent death law firm in Houston, a call today for an initial consultation free of charge, and one of our wrongful death attorneys will be able to provide help and support for your claim every step of the way.