Involved in a Crash With an Uninsured Driver?
Accidents With Uninsured Drivers Can Be Difficult
Being involved in a car crash with an uninsured driver is a big problem for innocent victims of these collisions. Most people do not have enough money to cover the cost of damages caused by a car accident. This is why everyone is required to have car insurance, so the insurer can cover the costs of damages after a crash. In New Mexico, the minimum liability coverage required of all drivers is set at $25,000 per person and $50,000 per collision. According to the Insurance Information Institute, 21.6% of all drivers in New Mexico are not in compliance with the minimum car insurance policy requirements and do not carry the required amount of coverage. New Mexico ranks fourth in uninsured drivers across the United States, meaning residents have high chances of being involved in a crash with an uninsured driver.
Steps to Follow After a Crash with an Uninsured Motorist
Everyone involved in a collision with an uninsured or underinsured driver should explore the options available to them in order to recover lost compensation. One option is to attempt to recover compensation from the driver who injured you, even if they don’t have insurance. If you can show that the driver was at-fault, you can get a personal judgment against him or her. The issue is that it can be hard to collect unless the person who caused the crash has assets or a decent income. You could also try to get as much money as possible from their insurer, up to the amount available under their coverage.
Another option is to find out if you have uninsured or underinsured motorist coverage under your insurance plan. In the event that you do, you have protection from your insurance company who is able to compensate you for losses associated with a car crash when the other driver is unable to. You may need to seek legal counsel in order to ensure your insurer makes you a fair offer to compensate you for your damages.
Lastly, you can possibly file a claim against a third party who may be liable for your injuries. For instance, if there was a defect in your car that made the injuries worse, the vehicle manufacturer could be held responsible and be made to compensate you for some of your damages.
Albuquerque Speeding-Related Auto Accidents
Speeding is the 9th most common factor in car crashes in the United States. Drivers may choose to speed for many reasons. These could include aggressive driving behaviors, scheduling concerns, or general carelessness.
Speeding greatly increases the chances of being involved in a serious crash. Not only that, high-speeds often make injuries more severe, resulting in greater damages associated with an accident. Victims should protect their legal rights after being injured in a car crash.
The Albuquerque car accident lawyers at Will Ferguson & Associates are here to help victims recover after an accident. The law is in place to help injured victims regain lost compensation when they are not at fault for their injuries. If you or a loved one has been injured by a careless driver, contact our offices today at (505) 243-5566 to discuss your case.