Injured by an Uninsured Driver
When you are hurt in a motor vehicle accident, one of the first things you typically do is gather information about the at-fault party’s insurance provider. But what if the other driver isn’t insured or only has insurance for property damage? What are your options if you are injured by an uninsured driver? Are you simply without a remedy? Not necessarily.
The first thing to consider is whether or not there’s coverage in your own auto insurance policy for uninsured or underinsured motorists. Most insurance companies offer this type of coverage, but it’s typically attached to the policy as a rider, optional coverage for an additional fee. Don’t count on your insurance company to volunteer the information that you have this type of coverage. It’s best to have an attorney look at your insurance policy.
Another course of action is to look for other potentially responsible parties:
- Was there more than one other driver in the accident? It’s possible that both of the others drivers were responsible for the accident
- Were there defects in the roadway that led to the accident—potholes, broken signs or lights, loose gravel or water/ice on the road? Was the accident caused by poor design of the road? Were there objects blocking the other motorists view, such as trees or construction equipment?
- Was the accident caused by a defect in some component of a motor vehicle—faulty breaks, defective tires or some other breakdown?
- Was the other driver under the influence of alcohol or drugs? If so, you may have a claim against the individual and/or the person who served the alcohol or provided the drugs
Contact Our Office
If you or someone you love has been injured in New Jersey because of someone else’s negligence, we can help you seek full and fair compensation for your losses. For a private meeting with an experienced personal injury attorney, contact us online or call our offices, in New Brunswick at 732-247-3600 or in Somerville at 908-448-2560.