Driving is not as simple as getting from point A to point B. A lot can happen between your starting point and your intended location. Despite all the precautions you take to ensure that your vehicle is in good condition and that you follow all driving laws, you can still end up in a car accident.
But what can you do when you wind up in an uninsured motorist accident where the responsible party is an uninsured driver?
You have two options. You can either seek a settlement directly from the driver, or you can file a claim to receive your own uninsured motorist benefits.
Seeking a Settlement From the Driver
The process of seeking a settlement directly from an uninsured motorist is lengthy, frustrating and often unfruitful.
It is unlikely that you will receive a substantial settlement from an uninsured driver. Chances are, he or she does not have the financial ability to pay you. Even if you do win your case, you may end up needing a court order to compel the driver to pay the settlement.
Filing a Claim With Your Insurance Company
In these accidents, your best option is to file a claim with your insurance …