Is It Possible to Sue an Uninsured Driver?
There is no such thing as a car accident that is not stressful. Accidents, even minor ones, can mean injuries and property damages, along with considerable disruption to daily life. Since the state of New Jersey requires that all drivers have insurance, when an accident happens, you will often exchange information with the other party in the accident, including each of your insurance. From there, you can start the claims process. However, if a driver does not have insurance, you may wonder if you have any ability or rights to obtain the compensation you need for your losses. As a result, your car accident may feel like it is even more distressing.
The good news is if you find yourself in this situation, you are not out of luck, and there may be options you can utilize to help you cover the costs of your damages. You can meet with a car accident attorney at Monaco Law PC for more information and a complete review of your case.
Why Suing an Uninsured Driver is Usually Not Practical for Financial Recovery After an Accident
Even though it is against the law to drive without insurance, there are people who don’t abide by the laws and will still travel around in their vehicles uninsured. While the claims process becomes a bit more complicated when an accident happens with an uninsured driver over an insured one, there are still avenues that are available to obtain recompense for losses.
While you have the legal right to sue the uninsured party who caused your accident, this is unlikely to be a practical way to obtain compensation. Most often, individuals who are not driving with insurance might be doing this because of the cost of insurance. As a result, they typically will not have the assets and wealth available to cover the costs of your damages, which makes a lawsuit a waste of time. Even if you do get a financial award from a lawsuit, collecting it will be challenging or impossible.
On the other hand, if an uninsured driver does have the assets to pay for your damages, then a lawsuit could be the right way to go. Because this scenario is fairly uncommon, then through your uninsured motorist coverage you could instead file your claim for the cost of medical care you needed and the property damages you sustained. You may also use your PIP coverage along with healthcare coverage if your PIP does not pay for the entirety of your medical expenses. Additionally, if you have collision coverage, this can help you pay for the costs of repairs to your car or replacing it.
Speak to a New Jersey and Pennsylvania Car Accident Attorney Today
Call our experienced South Jersey personal injury lawyer at Monaco Law PC at (609) 277-3166 for our New Jersey office and (215) 546-3166 for our office in Pennsylvania to discuss your car accident case today.
We are a New Jersey and Pennsylvania personal injury law firm serving Atlantic County, Bucks County, Burlington County, Cape May County, Camden County, Chester County, Cumberland County, Delaware County, Gloucester County, Mercer County, Middlesex County, Montgomery County, Philadelphia, Ocean County, Salem County, and all of South Jersey.
