What can I do if I was involved in an auto accident with an uninsured driver and my insurance company did not help?

Question from Shell, What can I do if I was involved in an auto accident with an uninsured driver and my insurance company did not help?

Answer from AI:

Understanding the Situation

When you’re involved in an auto accident with an uninsured driver, it can be a challenging situation, especially if you don’t have uninsured motorist coverage. In the United States, the laws regarding auto accidents vary by state, but generally, the at-fault party is responsible for damages. If the at-fault party is uninsured, collecting damages can be difficult.

Legal Options

Even though your attorney dropped the case, you still have some legal options:

1. Suing the Uninsured Driver: You can sue the uninsured driver directly. However, this can be a lengthy and costly process, and there’s no guarantee you’ll be able to collect the judgment if the driver has no assets or income.
2. Small Claims Court: If your damages are below a certain amount (which varies by state), you might consider filing a lawsuit in small claims court. This is a less formal process and you can represent yourself.
3. State Guarantee Funds: Some states have guarantee funds to help pay claims for accidents involving uninsured drivers. Check with your state’s insurance department to see if this is an option.

Seeking Legal Advice

Given the complexity of your situation, it would be beneficial to consult with another attorney. They can provide advice tailored to your specific circumstances and help you understand your options. You might consider an attorney who specializes in personal injury or auto accident cases.

Preventive Measures

To protect yourself in the future, consider adding uninsured motorist coverage to your auto insurance policy. This coverage can help pay for damages if you’re hit by an uninsured driver.

Remember, this information is general in nature and does not constitute legal advice. Laws vary by state and your situation may require a different approach. Always consult with a legal professional for personalized advice.

For more information, you can visit the Insurance Information Institute or the Nolo’s legal guide on dealing with accidents involving uninsured motorists.