It will depend on your state and how much insurance coverage each of you has. If the person was uninsured, then yes. You can consult a Boise Idaho auto accident lawyer to know best about getting covered if you get involved in a car accident with an uninsured driver.
The Uninsured Motorist Coverage:
So, how will it work when you get into a car accident with an uninsured driver? Well, this will depend on your insurance coverage and the state laws. Typical uninsured motorist coverage is $500,000, while some states allow policyholders to get up to $1 million of coverage. And you cannot get more than that amount, no matter how high your policy can get. The problem with this is that you might end up paying a higher amount in total. To know how much coverage you have, ask your insurance agent or find out from the state’s department of motor vehicles.
If you have a comprehensive insurance policy, it will pay for any damage caused to either party in a car accident. It will even compensate for lost wages and medical bills reasonably related to the accident. But suppose this policy doesn’t cover enough negligent actions of drivers. In that case, you should change your insurance to one that offers uninsured drivers’ coverage before being involved in an accident.
The time limit to file this claim:
Like any other insurance coverage, there is a time limit when you can file a claim. It will depend on your state laws and your insurance policy. If you want to know more about this time limit, it is best to ask your insurance agent or the state’s department of motor vehicles.
Can you sue an uninsured driver?
Yes, you can sue an uninsured motorist in your state. You can do so by following the procedure for suing an at-fault driver. Check with your insurance company to know if there are any elements of proof you need to provide to them to collect compensation. If you are dealing with older claims, then there might be situations where your insurance company will not pay directly for your medical bills or property damage. However, it is easier to decide who is at fault before filing the lawsuit since it will help the court determine who should pay for what damages.
If you are involved in an accident with an uninsured driver, make sure to get the details on how the claim is being handled. Take note of what your insurance provider will need from you.
