An auto accident can result in serious injuries, and the financial burden, as a result, can be difficult to bear as well especially if the other driver is uninsured. That is why all drivers in Wisconsin have to get motor vehicle liability insurance. However, the policies they opt for have to either meet or exceed the following standards:
What to Do If You Are Involved In a Car Accident with an Uninsured Driver
Despite the massive financial strain they can suffer from in case of an accident, many drivers in the state don’t have car insurance. If one crashes into you on the road, and they are at fault, you can do the following:
Negotiate With the Insurer
If you are injured and your car is damaged because of the accident, you can file a claim with your insurer as per your uninsured motorist policy. You may receive the same compensation as you would have if you filed against the insurance company of the other driver. This includes compensation for pain, suffering, medical costs, and lost wages.
Sue the At-Fault Driver
You can choose to press charges against the other driver and sue them. This situation is not common though since the other party usually doesn’t have additional assets they could use. There is a reason why they didn’t get expensive car insurance, after all. If that is the case, the at-fault driver can choose to pay a deposit as per the Safety Responsibility Law.
If you go through your insurance company to file an uninsured motorist claim, that means they have to step in place of the at-fault driver if he/she was insured. However, this also means that you need to file a lawsuit within three years or two years if the crash resulted in a death. Even though you have time to sue, there are several complex notice requirements that you might have difficulty addressing.
At this point, the services of a car accident lawyer from the Law Office of John V. O’Connor can prove to be invaluable. We can do a detailed examination of the accident and streamline court procedures to ensure you get the compensation you deserve. This includes consulting with accident reconstruction experts to prove that the other driver was at fault. Get in touch with us for a consultation in Kenosha, WI today.