The Risks of Accidents with Uninsured Drivers
Being in a car accident can be terrifying. Beyond physical and emotional trauma, you may face serious financial consequences, especially if the driver who hit you does not have auto insurance. Rhode Island has one of the highest percentages of uninsured motorists at 15%. Mounting medical bills and car repair costs can quickly become overwhelming. The best way to protect yourself is to secure uninsured motorist insurance. injured by driver without insurance
Why You Need Uninsured Motorist Insurance
Uninsured motorist insurance adds protection to your policy in case you are involved in an accident with a driver who lacks insurance. Without this coverage, your options for recovering money are limited.
One option is to sue the at-fault driver. In a hit-and-run, this is impossible. Even if you know the driver, recovery may be difficult because you must prove fault, and the driver may lack the financial resources to pay any judgment.
Another option may involve suing the entity responsible for road maintenance if a defect caused your accident. These lawsuits are challenging and rarely successful.
Uninsured motorist insurance also protects you if your damages exceed the at-fault driver’s policy limits. In such cases, your own insurance can cover the extra costs. injured by driver without insurance
Having uninsured motorist coverage is the best way to avoid financial hardship after an accident. If you have been in an accident with an uninsured driver, contact Inman & Tourgee online or call (401) 823-9200 to explore your legal options.
