The process of recovering financially from an auto accident typically involves negotiations with insurance companies, through which you and your car wreck attorney could seek fair compensation that covers all of your related injuries and losses. However, if the driver responsible for the wreck does not have enough insurance coverage to make up for your losses—or does not have insurance at all—you may have to approach the civil litigation process differently.
If you need to recover damages from someone with insufficient insurance, professional legal guidance may be essential. A Pueblo uninsured car accident lawyer could examine your legal options and work tirelessly to get you the compensation you need.
State law requires all registered drivers to maintain a certain amount of insurance coverage in case of an accident. Specifically, drivers must have coverage for at least $25,000 of expenses related to one person’s personal injury or wrongful death, $50,000 for all personal injuries suffered in one accident, and $15,000 for property damage in a single accident.
In addition, insurance carriers in Colorado are mandated by state law to offer “med pay” coverage for short-term medical bills immediately after a crash. This coverage is good for up to $5,000 in medical bills and must be included in a standard insurance policy unless the policyholder explicitly opts out of it.
In the past, Colorado was a no-fault insurance state, which meant that those involved in car wrecks first had to pursue compensation through their own personal injury insurance coverage before they could file a claim with the liable party’s insurance or file suit directly against the at-fault driver. However, as of 2003, the rules have changed. A Pueblo attorney could help someone pursue any of these options if they were involved in a car accident with an uninsured motorist.
If possible, the simplest option for recovering compensation after an accident with a driver who does not have any insurance is to utilize uninsured/underinsured motorist coverage. State insurance carriers must make this kind of protection available to all policyholders.
If someone injured in a crash does not have this kind of coverage, an underinsured car wreck attorney in Pueblo could advise this person on their next best options. In some cases, there may be another defendant who could be held liable for the accident. For example, a municipal authority that left the road in poor condition could be responsible for paying compensation or the uninsured driver’s employer may be legally liable if the at-fault party was performing occupational duties at the time of the crash.
In other situations, the best option may be to file a lawsuit directly against the uninsured driver, rather than going through an insurance company. This can be a tricky endeavor for someone inexperienced with civil law to undertake, though, so it is generally best to talk to legal counsel before committing to any course of action or accepting a settlement offer.
A driver who is negligent both behind the wheel and because they lack insurance can dramatically complicate the aftermath of a car accident. Recovering enough compensation to make up for your damages could add stress and worry to the challenges you are facing with your injuries and debts.
Retaining a Pueblo uninsured car accident lawyer could go a long way toward simplifying this process and helping you obtain a positive outcome for your case. Set up your initial consultation by calling today.