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Insurance is the safety-net that nearly anyone that becomes a victim of an accident needs to recover from the damages. The compensation that insurance offers allow a victim to pay their medical bills, reclaim lost income, and replace or repair damaged property. But what is a victim supposed to do if the liable party does not have any insurance?
The number of uninsured drivers has been increasing since 2015. With more and more drivers not having insurance, knowing how to seek compensation from these accidents is essential. There are several sources you may be able to earn a fair settlement from if you know where to look.
Uninsured motorist coverage
A form of car insurance that many people do not know about is uninsured motorist coverage. Adding this insurance in your coverage package is an excellent method of defending your future. Thankfully, many states make this benefit mandatory with any insurance policy, so there is a chance you may have this benefit already. With this benefit, you will not have any lingering questions about where your compensation will come from if the liable party does not have insurance.
The at-fault party
If the liable party does not have insurance, that does not mean they cannot pay for the damages. A victim of a severe personal injury can file a claim directly against the liable party. This claim can result in the responsible party themselves paying out of pocket for the costs of their actions.
There is always an option
If the person that caused you to suffer a personal injury does not have insurance, that does not mean it is the end of the line. There are other paths an attorney can help you pursue to receive the compensation you need to get the best possible outcome in your injury.