Ask a Car Wreck Lawyer: What Happens if the Other Driver is Uninsured

Anyone who is injured or whose car gets damaged in an accident caused by someone else can claim compensation for their losses. Usually, the responsible party’s insurance company pays for the damage. But while drivers are required to carry insurance in Wyoming, not everyone complies with this law. If you’ve been in an accident with an uninsured driver, you should report the crash to the authorities and contact a car wreck lawyer in Jackson, Wyoming. 

What to Do If the Other Driver Is Uninsured

After your car accident, you will need to first make sure everyone is safe and report the incident. If you’re able to, you should exchange insurance information with the other driver. However, there are approximately 32 million uninsured drivers in the US today, so there is a chance that the person responsible for your crash isn’t covered.

In such a case, you need to get in touch with a local car accident attorney, who can evaluate your case. The lawyer will help you double-check your own insurance policy to see whether you have uninsured motorist coverage. If not, you and the attorney can discuss whether it’s worth pursuing the uninsured driver directly. You could gain the compensation you need to recover from your crash if the negligent party has significant assets.

Report the Accident and Get the Other Driver’s Information 

In the state of Wyoming, you must report car accidents that result in an injury, death, or apparent damage of at least $1,000. After the crash, the first thing you should do is put up warning signs on the road and make sure that everyone is safe. Then, contact the authorities as soon as possible. That way, there is a record of the accident, which can ultimately help you gain compensation.

If you can, you should also obtain the contact information of the other drivers involved in the crash. Later on, this can help you and your lawyer figure out whether making a claim is worth it. Sometimes, drivers aren’t uninsured but simply underinsured, in which case you could still gain access to a part of the compensation you need.

Contact Your Local Car Wreck Lawyer in Jackson, Wyoming

Once you’ve left the site of your accident, you can begin to figure out a way forward. The extent of your injuries isn’t always clear straight away because your body is still full of adrenaline in the hours after the crash. Therefore, you should wait a few days to see if there are any more symptoms.

Then, you can get in touch with an experienced car accident attorney and book an initial consultation. Your lawyer will review your case and determine whether you can make a claim. They can check your own insurance to see if you’re covered and, if not, figure out whether you could receive compensation directly from the uninsured driver.

Check If You Have Uninsured Motorist Insurance

One of the easiest ways to receive the compensation you need after an accident with an uninsured driver is to make a claim on your own insurance. Unfortunately, uninsured motorist property damage coverage isn’t required in Wyoming, so there’s no guarantee that you have this type of policy.

However, since around 10% of Wyoming drivers aren’t insured, it is a good idea to purchase this extra protection. Your lawyer can check whether you have UMPD and what type of damage your policy covers. Then, the attorney can negotiate with the insurance company on your behalf and help you receive a fair settlement.

File a Lawsuit Against an Uninsured Driver  

Since UMPD is not required in Wyoming, there is a chance that you don’t have this type of insurance policy. In this case, you and your lawyer can determine whether you should pursue the uninsured driver directly. They might have assets, such as savings or a high income, that could pay for your medical care and loss of work.

Even if the defendant can only pay a part of what they owe you, it’s better than nothing. With the help of your attorney, you can make an informed decision about how likely you are to win your lawsuit and whether the party responsible for your injuries can pay your compensation.

Collect Evidence of Your Injuries

Whether you’re planning on making an insurance claim or filing a lawsuit against an uninsured driver, you’ll need enough evidence to support your statements. A good car wreck lawyer in Jackson, Wyoming will help you put together proof that the accident was the other driver’s fault and that you are suffering from severe injuries as a result.

Your attorney might ask you to provide photographic and video evidence of the crash, medical bills, and statements from your physicians. What’s more, they can contact expert witnesses who will support your claims and prove to the insurance company or the judge that you require a high level of compensation.

A car accident can be extremely expensive, especially if your car has been damaged or you have extensive injuries as a result of the crash. Normally, you can claim compensation from the responsible party’s insurance company, but unfortunately, there are still drivers in Wyoming who are uninsured. The best way to find out if you can still gain access to compensation is to report the incident to the authorities and speak to a car accident lawyer.

Ethan Robert
Ethan Robert
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