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What are my options if the other driver doesn't have insurance?

Getting into a car accident is a scary experience - no matter what the circumstances are or whose fault it is. Even in minor fender-benders where there are no serious injuries, it's a major inconvenience at best.

However, in cases where another driver is at fault and you suffer an injury or sustain damage to your property, it can seem like a waking nightmare when you find out the other party doesn't carry insurance - or doesn't have enough.

It's very important to contact your insurance company as soon as you find out that the other driver either has no insurance or not enough to cover the damage or medical expenses from the accident. Processing a claim usually starts with the adjuster coming to evaluate the damage to your vehicle or property, and if medical expenses are also a part of the claim, you will need to provide documentation for those.

The entire process can take a few weeks to months depending on the particular circumstances and the other driver's insurance coverage, if any. If you already have uninsured or underinsured motorist coverage, your insurance provider will be able to begin processing your claim right away.

Talking with your insurance company early on also means you will be aware of any possible issues that may require legal intervention. There are times when insurance companies may balk at disbursing a payment, even when you are carrying the appropriate coverage. While these situations can be frustrating and stressful, talking with a personal injury attorney can help you get the compensation you are entitled to and inform you of any other legal options.

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Romano & Associates, PLLC
230 Capitol Street
Suite 200
Charleston, WV 25314

Phone: 304-932-4604
Fax: 304-345-7626
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