What Should I Do If I’m Hit by an Uninsured Driver?
Call (800) 863-5312 to Speak with a Colorado Springs Car Accident Lawyer for Free
Although the State of Colorado requires drivers to carry liability insurance, not every driver does. If you are hit by an uninsured driver, you may have only a few options on how to proceed.
If your own car insurance policy includes coverage against uninsured motorists, your chances of recovering are much greater. However, if you don’t have that type of coverage, you have the option to sue the driver who hit you.
If you or a loved one has been injured by an uninsured driver, call Zinda Law Group at (800) 863-5312 for a free consultation with a Colorado Springs car accident attorney.
What Are My Options?
Contact your own insurance company
Colorado does not require drivers to carry uninsured motorist coverage on their own policies, but all insurance companies are required to offer it. Uninsured motorist coverage is a separate portion of your car insurance policy that is meant to take the place of the at-fault driver’s lack of insurance and to pay you the same kind of damages you could have received had the at-fault driver had insurance of their own.
Many uninsured motorist policies allow consumers to recover damages if they were a driver or passenger in a vehicle hit by an uninsured driver, or if they have been involved in a hit-and-run accident and the at-fault driver is never identified.
After being hit by an uninsured driver, you should contact your insurance company to find out if you have uninsured motorist coverage. If you do have the coverage, and if the driver who hit you is found to be at fault for the accident, you may make a claim against your insurance company under the uninsured motorist coverage portion of your policy.
Consider a lawsuit
If you speak with your insurance company and find out that you don’t have uninsured motorist coverage, you always have the option to file a lawsuit.
There are legal and practical concerns to doing this. One of the major concerns is the other driver’s ability to pay a judgment. Often, when a person goes without insurance, they are unlikely to have the assets or money necessary to pay for the damage to your vehicle, medical bills, and the costs of the lawsuit.
Speak with a personal injury attorney
Speaking with a qualified car accident attorney is often helpful whether or not you have your own uninsured motorist coverage. Even when you do have a helpful policy, insurance companies will do their best to pay you as little as possible, and an experienced auto injury lawyer can help you fight back and receive everything you deserve.
An auto accident lawyer is also helpful when trying to decide whether or not to file a lawsuit. The attorney can help analyze the costs of a trial, the amount you may be granted in a judgment, and the likelihood that the other driver can pay.
Our Colorado Springs Car Accident Lawyers Can Help
The experienced attorneys at Zinda Law Group are well equipped to help walk you through all of these details so that you can make an informed decision.
We will fight tirelessly to protect your legal rights and to help you pursue maximum compensation for medical bills, property damage, lost income, pain and suffering, and more. We also work on a contingency fee basis, which means you pay nothing unless we win your case.
If you have been injured by an uninsured driver, call Zinda Law Group at (800) 863-5312 for your free consultation with one of our skilled car accident lawyers in Colorado Springs. Meetings with attorneys by appointment only.