Dealing with the Problem of Uninsured Drivers

When you are involved in a car accident that was not your fault, you are likely counting on the at-fault party’s insurance company to compensate you for your injuries and losses. However, if the other person does not have auto insurance, then, you are left with the responsibility of paying your medical bills and bearing any other expenses incurred as a result of the accident. Based on an article in The Wall Street Journal, uninsured drivers have become a chronic problem that states have been unable to solve.

States Acting to Penalize the Uninsured
According to the Insurance Research Council, 14 percent of drivers nationally are uninsured. Most of the states require auto insurance, particularly liability coverage to pay for any damage and injuries caused by the driver. Many states have decided that the threat of fines alone is not enough to deter uninsured drivers. Several states are now restricting the ability of uninsured drivers to sue for damages after accidents.
Data from the National Association of Insurance shows that the average annual bill is about $907 for those who are required to buy liability coverage and uninsured and underinsured motorist coverage. The uninsured and underinsured coverage can account for as much as about $100 of a family’s annual insurance bill.
How Accident Victims Suffer
In a hit-and-run crash, a seriously injured victim or his or her family faces significant medical expenses and other financial challenges. Victims are often unable to work for an extended period of time as they are healing from their injuries. Also, rehabilitation, therapeutic and even some medical costs must be paid out-of-pocket. This is why it is absolutely necessary to have uninsured motorist coverage as part of your auto insurance policy. While liability insurance protects other parties when the accident is your fault, uninsured motorist coverage is what really protects your family in the event someone who does not have auto insurance injures you or a family member.
Compensation for Injured Victims
If you or a loved one has been injured or if you have lost a loved one as a result of a car accident, the experienced New York personal injury attorneys at the Law Offices of Kenneth A. Wilhelm can help you better understand your legal rights and options. Our skilled car accident attorneys have a proven track record of helping injured victims get fair compensation for their losses. Our law firm obtained $2,000,000 for a client in an uninsured motorist case.
Please contact us TOLL FREE 24 hours a day, 7 days a week at 1-800-WORK-4-YOU (1-800-967-5496). WE CAN EVEN COME TO YOU. There is no attorneys’ fee unless we recover money for you. We can also help with personal injury cases in New Jersey, Connecticut, Pennsylvania, or Florida. If you have been seriously injured in any of the 50 U.S. states, please call us and we will try to help you with your case.
Other TOLL FREE phone numbers for us are:
1-800-RADIO-LAW, 1-888-WYPADEK, OR 1-800-LAS-LEYES
Please visit us at: www.WORK4YOULAW.com
Source: The Wall Street Journal