Uninsured Driver Accidents in Mesa and How to Handle Them
Everyone driving in Mesa is legally required to have insurance.
Unfortunately, that doesn’t mean that everyone does have insurance. You could be sitting a red light minding your own business and suddenly be rear-ended by a driver who doesn’t have insurance to cover the damages to your vehicle or the medical bills for any injuries you suffered. And good luck getting a driver who doesn’t have insurance pay out of pocket for those things!
Your insurance company in Mesa may pay these expenses, or they may refuse outright because you don’t have any insurance coverage specifically for uninsured motorists. Or, you may have coverage, but the insurance company will refuse to pay because it wants to minimize its liability – regardless of what is best for you in the situation.
The best thing you can do after you’ve been involved in an accident with an uninsured motorist is to call a Mesa personal injury lawyer to represent you. The right injury attorney can help you get the compensation you deserve after an accident with an uninsured motorist.
Damages from Insurance Company
There are a few types of damages that most insurance companies will agree to pay:
- Actual damages, which include damage to your vehicle, your property, and your own body. However, most insurance policies have a cap on what they will pay. Typical amounts are $15,000 per person and $30,000 total for the accident.
- Punitive damages. Typically, a court would award these as a punitive measure for some wrongdoing, such as speeding or driving under the influence.
- Nominal damages, which cover suffering outside of physical injuries. For example, you may want to recover nominal damages if you suffered insomnia after the accident or started having panic attacks.
In most cases, insurance companies will fight against paying either nominal or punitive damages, and they will fight against paying anything above what the policy states for actual damages. By hiring the best personal injury lawyer you can, you increase your chances of getting the full compensation you deserve for the accident. The insurance companies have a team of lawyers working for them, and they count on you being unknowledgeable and intimidated. By working with an injury attorney, you help to level the playing field.
Suing the Driver
You may not think that you have any recourse to go after the driver for damages – after all, this is a person who either couldn’t afford or didn’t see the value of car insurance. However, you may be surprised at what you can accomplish with the help of the right personal injury attorney.
Uninsured drivers may have assets that can be tapped to pay you what they owe, such as property, savings accounts, and investment accounts. Your attorney will explore all the legal options for making the responsible party pay for the damage they have caused, which is what is morally and legally right.
Don’t accept that you’ve simply been dealt a bad hand if you are in an accident with an uninsured driver in Mesa. You do have options for getting compensation for the damages to your car, for your injuries, and for the other ways that you have suffered as a result of the accident. Don’t accept stonewalling or low-balling from the insurance company, and don’t give up on getting what you can from the driver. Talk to an experienced and dedicated personal injury attorney to build a strong case against both the insurance company and the uninsured driver to get what you deserve.
Injury Lawyers Mesa is ready to help you. We have some of the best personal injury attorneys in Mesan on our team, and they are all dedicated to helping you get the compensation you deserve after an accident. The insurance companies are not going to willingly give you the money you demand. It is in their interests to keep their liability as low as possible so they can keep their profits as high as possible. Our auto accident injury attorneys fight to protect your interests so that you can move forward after an accident. Call us in Mesa today to talk with one of our car crash injury lawyers about your legal options.