Car Accidents Involving Uninsured Motorists

    DALLAS, TX, June 03, 2009 /24-7PressRelease/ -- Car accidents are an unfortunate, yet very common occurrence. Most of us will be involved in an auto accident sometime in our lifetime. Although most states in the United States require motorists to have auto insurance, there are many uninsured motorists on the highways. Getting involved in an accident with an uninsured motorist can make receiving any compensation very difficult.

Each state's laws differ regarding uninsured motorists. Some states bar any uninsured motorist from receiving any compensation after being involved in an accident, even if the accident was not their fault. In other states not having proper car insurance can also be a criminal offense.
Uninsured motorists are often forced to pay the full amount of damages suffered by another driver when they cause an accident. Drivers who do not have auto insurance, however, often have little to no assets and are not able to pay any amount of money to cover the damage they caused in an automobile accident. This creates difficulty for any driver injured due to an accident caused by an uninsured driver.

Uninsured Motorist Coverage
Uninsured motorist coverage is an available option that will make it much easier for an insured motorist to receive compensation in the event they are involved in an accident caused by an uninsured motorist. When you purchase your auto insurance, be sure to ask your insurance provider about this option.
Uninsured motorist coverage is required in some states. It allows you to recover damages from your insurance company in the event an uninsured motorist hits you.

Underinsured v. Uninsured
Uninsured motorists are not the only drivers out there that can make it difficult to receive compensation. Underinsured drivers are also a reality. The difference is that underinsured motorists do have insurance; however, their policy has a maximum payout that may not be enough to cover the damages you have suffered due to the accident.

Whether you are dealing with an underinsured or uninsured motorist, it is always best to be prepared. Obtain as much information about the driver as possible so you have the necessary means to contact them in the future. Also, if an uninsured motorist claims to have previously had insurance that has expired, contact the insurance company that provided that expired policy to make absolutely sure that policy was indeed cancelled.
Accidents are unfortunate, but they do happen. Contacting an experienced car accident attorney is always a good idea, and they can help you with the steps necessary to receive the compensation you deserve.

If you or a loved one has been in an accident involving an uninsured motorist, please visit the website of experienced car accidents involving uninsured motorists attorneys at Polewski & Associates, serving Dallas, Texas, today.

Source: Polewski & Associates
Website: http://www.polewskilaw.com

# # #