If the driver who hit you is uninsured, you can still recover compensation for your losses. Under the choice no-fault auto insurance system in Pennsylvania, you can rely on your no-fault policy to cover some of your medical care after an accident. This is true no matter who caused the crash. If you only suffered minor or moderate injuries, this policy may even pay for your full medical treatment.
How Do I Get Compensation If an Uninsured Motorist Caused My Accident?
If the driver who hit you did not have the liability insurance required under Pennsylvania’s financial responsibility law, you generally have two options for recovering compensation above and beyond your own no-fault coverage.
Filing an Uninsured Motorist Claim
If you have uninsured motorist coverage, filing a claim based on this policy may be the quickest and easiest way to recover the money you need to cover your financial losses and expenses. This should cover your damages up to the limit of the policy.
An uninsured motorist accident lawyer from Berger and Green can review your insurance paperwork and determine if you carry this optional coverage. If so, we can collect the evidence to prove your case and document your damages. We will file your claim for you, and try to negotiate a fair settlement with your insurance company.
Filing a Personal Injury Lawsuit
If you do not have uninsured motorist coverage, your only option may be to pursue litigation. By filing a personal injury lawsuit, we may be able to hold the uninsured driver who caused your crash personally accountable for the damages you suffered.
However, there are some downfalls to filing a civil suit against an uninsured driver. Even if we win your case, the driver may not have the assets to cover your damages. Without an insurance company to back them, we can only collect the resources they have available. For this reason, we need to know about their financial standing before we file a lawsuit.
What Damages Are Possible Through a Personal Injury Lawsuit?
If the at-fault driver can pay for your losses, there are two major types of damages you may be eligible to recover through a lawsuit: economic and non-economic damages.
Everyone who suffers damages in a car accident can hold the at-fault driver responsible for their economic losses. These often include:
- Any medical bills not covered by no-fault insurance;
- Ongoing and future care costs;
- Lost wages and future lost income;
- Vehicle repair or replacement costs;
- Other property damage; and
- Miscellaneous expenses.
If you opted for full tort coverage or suffered serious injuries in the wreck, you can also try to recover additional compensation for your non-economic losses. Also known as “pain and suffering damages,” this type of compensation can sometimes eclipse the value of your financial losses.
How Can a Lawyer Help Me With This Process?
We offer free case evaluations and can help you better understand your options for getting the money you need to cover your losses if the driver who hit you did not have insurance. We can help you determine your best route to financial recovery after a crash with an uninsured driver.
If you let us handle your car accident case, our team can:
- Review the facts of your case;
- Explain your options for trying to get the money you need;
- Conduct a full investigation into the cause of your accident;
- Prove the at-fault driver acted negligently and is liable;
- Collect documentation of your accident-related damages;
- Put a fair value on your case; and
- File an uninsured motorist claim and negotiate with the insurance company, if possible.
If we believe you have a viable personal injury case against the driver, we will:
- File a personal injury lawsuit against the at-fault motorist;
- Represent you in front of the Judge and jury;
- Present a strong case for compensation in court; and
- Argue for the full compensation you deserve.
How Can I Discuss My Case With an Attorney?
The car accident team from Berger and Green will review your case for free. We can go over the possible options for holding the at-fault driver accountable and explain the pros and cons of each scenario. Call us today at 412-661-1400 for your complimentary consultation.