What if the Drunk Driver has no Insurance?

May 26, 2016 Published by

Indiana Auto Accident AttorneyYou are on your way home when a light flashes in front of you and then the lights go out.  You wake up in the hospital with broken bones, or a spinal cord injury or you have other life threatening injuries.  Your family tells you that you were hit by a drunk driver.  The family car is a total loss.  They had to cut you out of it and everyone was worried you were not going to make it.  The family also tells you that the drunk driver doesn’t have any insurance that will cover your medical bills, lost wages and the permanent losses caused by your serious personal injuries.  You are overwhelmed, what are you going to do?

First, make sure the hospital bills all your medical bills to your health insurance.  Second, if there is a co-pay or a deductible, make sure that bill is sent to your own automobile insurance company to be paid under the medical payments insurance on your cars policy of insurance. (If you do not have medical payments insurance, call your agent now and buy it in an amount equal to your health insurance policy deductible.  It is too late to make this call if you have already been hurt, but as this blog is about what could happen, you have time to make that call now.).

The next thing to do is to put your own automobile insurance company on notice that you will be making a claim against your own “Uninsured Motorist Policy”.  (Again if you do not have Uninsured motorist policy, call your agent and buy it now, it is the only way to protect yourself and your family against drunk drivers and other underinsured drivers who cause you havoc).  Uninsured Motorist coverage is insurance you buy, before a car crash happens.  It will pay for your medical bills, lost wages, and all other losses caused by the car collision even if the other driver does not have insurance.  Uninsured motorist coverage is cheaper than liability insurance.  Many people decline it because it reduces their overall insurance bill.  I get that insurance is expensive, and that we all have to make choices, but cutting my Uninsured coverage is one of the last things I would cut.  Think about the poor driver in the first part of this blog.   That drivers medical bills are going to be at least 6 figures.  These bills are accompanied by the loss of the weekly income. If the driver has low limits of Uninsured motorist coverage, or worse yet, no Uninsured motorist coverage, then the driver will not be able to pay bills and will not be able to pay for the things they need to live comfortably despite the injuries.

If you are hit by a drunk driver, or by a person without insurance, and you have questions, give us a call, we know the law and can guide you back to economic security.

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