Do Insurance Companies Go After Uninsured Drivers

It is illegal to not have auto insurance coverage for your vehicles, just as it is illegal to not have one as a driver. Insurance companies have every right to go after and sue every uninsured driver. They can seek reimbursement from uninsured drivers through the process of subrogation. However, insurance companies can only pursue uninsured drivers at fault.

Do Insurance Companies Go After Uninsured Drivers

The insurance company only seeks compensation for the amount paid through your coverage. If you work with a law firm like Universal Law Group. You will have an advocate ready to pursue the compensation you deserve. If the insurer’s legal power is to go after a third party for any loss experienced by its clients. Also, they have the power to go after uninsured drivers. They can recover the money given for your claim through subrogation. An insured driver with UM coverage can file a claim for your insurer to pay for damages before going after the payment from the driver at fault.

When might Insurance Companies Go After Uninsured Drivers?

While insurance companies have the legal right to subrogation, they will spend time and money to go after uninsured drivers. In most cases, uninsured drivers with no financial resources to pay any judgments laid against them may be affected. If an insured driver gets involved in an accident with an uninsured driver, insurance companies will go after uninsured drivers.

Do I Need Uninsured Driver Coverage?

Yes, getting uninsured driver coverage protects you from covering your damages. And this is if you get involved in a collision with an uninsured driver. If an accident is caused by an uninsured driver, all your expenses will be covered by UM or UIM coverage. Also, in some states, uninsured driver coverage is required by law. In some cases, you may become the victim of a person with insufficient insurance to fully cover your expenses. Because the driver-at-fault insurance is inadequate, you will be covered by underinsured motorist coverage.

Only a certain amount can be claimed for UM and UIM, which is indicated in your policy’s fine print. You have a limited amount of time—as little as 30 days—to make your UM and UIM claims. However, this is depending on what insurance policy you get. Whether you are the victim of an accident that involves an underinsured or uninsured driver, if you do not make your claim before the deadline, you may prevent repayment from your insurer.

Car Insurance Collision Coverage

This is the same as the uninsured or underinsured driver coverage you can get as part of your auto insurance policy. Car insurance collision coverage handles payment for your car after getting involved with an at-fault uninsured driver or if you’re a victim of a hit-and-run driver. Unfortunately, this coverage does not cover payments for bodily-related injuries or medical expenses.

What if my UM or UIM claim was denied?

Just like with other types of claims, insurers will always look for a way to avoid payment. It is not common with UM or UIM claims because it’s the insurer you’re dealing with, but it doesn’t prevent it from happening. If your claim was denied due to the findings of other clauses in the policy and you decide to deny your damage coverage for one reason or another, get in touch with an accident lawyer immediately.

What do I do if an Uninsured Driver hits me?

In this case, your first move shouldn’t be checking if insurance companies go after uninsured drivers; it doesn’t change the situation. You should make an appointment with the Universal Law Group instead. Get in touch with an experienced attorney who is knowledgeable about complex claims. Getting an attorney gives you strong representation, and they work hard for your best interests.

Can I file a Lawsuit against an Uninsured Driver?

By filing a lawsuit against an uninsured driver, you may be able to secure a court judgment in your favor, which would be a substantial achievement and a crucial step toward obtaining the compensation you deserve. However, getting judgment does not guarantee that you will be able to get the compensation.  In most cases, the uninsured driver may not be financially able to pay.

What if the Uninsured Driver is Driving an Insured Vehicle?

In this case, the insurance policy on the vehicle will cover your accident and any other losses attached to it. If the driver was not permitted to drive the car or has been removed from the car owner’s insurance coverage, fines will be applied.