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Being in an accident caused by someone or something else entitles you to compensation for your damages, and generally, an insurance company will pay this compensation. If the other driver was at fault for the accident, their insurance will generally cover your damages.
What happens if the party that caused your injuries does not have insurance? What if their insurance is not enough to cover the full amount of your damages? In these situations, you might worry that your family will have to cover all these costs out-of-pocket. You may not be wrong, but by working with an attorney, you can ensure that you collect the full amount you are entitled to.
One of the dedicated personal injury attorneys from We Win Injury Law is standing by to provide you with risk-free, cost-free assessment of your case. We will listen to the facts of your case and let you know if we can help you collect damages if the party at fault was under-insured or uninsured.
Utah Law and UM/UI Coverage
If you are hit by an uninsured driver, generally you will turn to your own insurance coverage to consider whether you are entitled to compensation through your uninsured motorist coverage. Insurance companies offer coverage for accidents involving under-insured and uninsured drivers so that if the driver that caused your accident is not covered, your own insurance will kick in and provide you compensation for your related costs.
In the context of motor vehicle accidents, Utah Code Ann. Sec. 31A-22-302 clarifies that uninsured motorist coverage is not required by law. You are not required to purchase protection from under-insured or uninsured drivers, but if you make the choice not to, you may be the one paying bills associated with your accident caused by someone else. This might not seem fair, but making the choice to get onto the roads entails certain risks, and Utah law does not protect you from underinsured or uninsured drivers.
However, just because your insurance company denies coverage, doesn’t necessarily mean that you are financially responsible for your damages. An experienced attorney can examine your policy to see if you actually have coverage and investigate the incident to potentially find other sources of coverage.
Connect with a St. George Uninsured Claim or Under-Insured Claim Lawyer Now
Recovering compensation in an accident caused by someone or something else when the at-fault party does not have insurance can put you and your family in a precarious position. While you might win a case in court that requires you to be paid, the at-fault party without insurance may not have the resources to cover your damages. Without an experienced attorney on your case, you may be left without the ability to determine where to collect your damages. In such a situation, you and your family will be left to cover all bills and costs associated with your injuries.
For help determining where and how to collect your damages from an under-insured or uninsured party, schedule a consultation or call the experienced personal injury attorneys from We Win Injury Law at (877) 939-4646 to explore options.