The aftermath of a car accident can be very stressful and upon knowing that the at-fault party is an uninsured driver can make the situation more challenging. If you happen to sustain a severe injury like spinal cord damage or traumatic brain injury, the medical bills will be excessive and is something you should be worried about. Other than that, severe injuries like this can cost you time off work, leading to a loss of income in your recovery period.
If you are ever in a situation like this, contact a Philadelphia, PA car accident attorney immediately to figure out the essential steps that need to be taken. Plus, in a situation like this you must have a lawyer by your side to help you get the compensation you deserve.
However, here is how you can know whether you are eligible for compensation if an uninsured driver hits you.
PIP or Personal Injury Protection Insurance
Some US states have a no-fault law policy which implies that regardless of who is at fault, each driver must pay their medical bill covering up to their PIP policy limits. While in an accident that caused you minor damages, this policy might work for you. However, it won’t come in handy if you have faced significant injuries and damages in a car accident.
Uninsured driver coverage
Uninsured driver coverage can significantly help if you even get involved in a car accident with an uninsured driver. Although it is not compulsory in all states, some states like New Jersey require every driver to carry a $15,000 worth of uninsured motorist policy.
This policy will cover compensation for all the damages and injuries you face during a car accident with an uninsured driver. Usually, your insurance company will not permit you to carry a larger uninsured driver amount than the liability insurance you have for your vehicle.
Your health insurance will be your most significant support if you are ever involved in a car accident with an uninsured driver. The health insurance will cover all the expenses caused to recover your injury. In addition, it will be a component of all your treatments for your damages after the car accident.
Following a car accident, an attorney contacts your health insurance provider and lets them know about the injuries you sustained in a car accident. Do not miss out on any detail; inform them about even the most minor injury you have.