What to Do If You Are Hit by an Uninsured Driver
Car accidents can happen to anyone, but you shouldn’t have to worry about covering medical bills or property damage alone. While most drivers are legally required to carry insurance, some drivers still go without it. If you are hit by an uninsured driver, it’s important to know your options.
Uninsured and Underinsured Motorist Coverage
In Rhode Island, insurance companies must offer policyholders the option of uninsured or underinsured motorist (UIM) coverage. Drivers can choose to decline it, but UIM coverage provides critical protection. If you are hit by an uninsured driver, this coverage can help pay for your medical bills and property damage.
Your UIM coverage usually cannot exceed your liability limits. Make sure you have adequate coverage, and start your claim quickly, as insurance companies often limit the time to file a UIM claim.
Collision Coverage
Collision coverage can help repair your vehicle if you are hit by an uninsured driver. While it won’t pay for medical expenses, it can cover property damage and keep you from paying out of pocket.
Filing a Lawsuit
If you lack UIM or collision coverage, filing a lawsuit may be an option. In Rhode Island, you can sue the at-fault driver. However, even if you win, collecting damages can be difficult because uninsured drivers may have limited assets.
Protect Your Rights
If you are hit by an uninsured driver, contact our Rhode Island car accident attorneys at Inman & Tourgee. With over 125 years of combined experience, we help clients navigate insurance claims and potential lawsuits. Call us at (401) 823-9200 for a free consultation and guidance on securing the compensation you deserve.
firm at for a free consultation.
