What to Do If You Are Hit By a Driver with No Insurance

What to Do If You Are Hit By a Driver with No Insurance

In New Jersey, it is mandatory for all car owners to carry auto insurance. Unfortunately, many people have only bare-minimum coverage or no coverage whatsoever.

Unless you have uninsured/underinsured motorist coverage, if you are involved in a car accident with a driver who has no insurance or insufficient insurance, your insurance company will most likely stand in and pay the costs the responsible driver have been paying. On the other hand, when a crash causes serious injuries that result in substantial damages, such as pain and suffering, you may sue a driver who is responsible for causing the collision.

However, uninsured drives often have limited or no assets, which means they typically cannot pay the lawsuit. While Personal Injury Protection (PIP) coverage in your auto insurance policy may pay for injuries sustained in a car accident, any costs that exceed your limit you need to pay out of pocket.

Keep in mind, you may have a “limited right to sue” depending on the specifics of your insurance policy. By choosing this lawsuit option, you agree not to sue the person who caused a motor vehicle accident for your pain and suffering unless you sustain certain permanent injuries.

The permanent injuries include:

  • Loss of body part
  • Significant disfigurement or scarring
  • Loss of a fetus
  • Displaced fracture
  • Permanent injury
  • Death

At Palmisano & Goodman, P.A., we can help you make a claim and, if necessary, handle your case as it proceeds to either arbitration or to court as you seek to force your insurance provider to pay you the full amount of compensation the law allows.

Contact us and request a free consultation today.