What can you do if you’re involved in a car accident with an uninsured driver?
If an uninsured driver is negligent, and causes you injury in a car accident, it doesn’t mean you’re without rights. You actually, in those cases, will file a claim with your own insurance company for what’s known as “Uninsured Coverage.” Every policy sold in South Carolina comes not only with liability coverage, to protect strangers, but also uninsured coverage so that you can protect yourself, and the people who ride with you, against these dangers drivers. An interesting thing about these cases involving uninsured coverage, is that you can actually take the uninsured coverage, not only from the car that you were driving, but also any of the other cars that you have at home and stack those policies. So if you’ve got twenty five thousand dollars in uninsured coverage on the car you’re riding in, and two other cars at home, each with twenty five thousand you actually stack those policies and get up seventy five thousand dollars in compensation.
Another alternative course is to bring a claim against the at-fault driver and seize their personal assets.
Let’s face it someone who’s driving without insurance probably isn’t independently wealthy, and probably doesn’t have a whole lot of assets to go after. So the best bet in these cases is again to contact your insurance company, and file a claim under your uninsured motorist policy.