Though drivers are required to have auto insurance, many motorists choose to drive with little or no insurance that would protect them or others if they get into a car accident. According to the Insurance Information Institute (III), Mississippi had the second-highest rate of uninsured motorists in the United States in 2015, with an estimated 23.7 percent of drivers operating vehicles without any insurance.
If you have been involved in an accident with an uninsured motorist in Gulfport, Mississippi, you may be feeling overwhelmed and unsure of how you will cover your medical costs or pay for your property damage. A Gulfport uninsured car accident lawyer can help you explore different options for recovering the compensation you may be entitled to pay for your losses.
The team from the Morris Bart law firm works on many car accident cases, including those where the negligent driver does not have auto insurance. We know how to examine an insurance policy and determine what steps to take to help you recover the compensation to which you may be entitled. Our team works on a contingency-fee-basis, meaning you never have to worry about paying out of pocket if you hire us. We are only paid if you are successful with your case. For a free, no-obligation case review, contact the Morris Bart law firm at (228) 357-9621.
Understanding Uninsured Motorist Coverage
According to Mississippi Code § 83-11-101, every auto insurance policy must contain uninsured motorist coverage. The only way that your insurance policy would not contain this coverage is if you waived it in writing.
Under-insured drivers are treated the same as uninsured drivers. So as long as you have uninsured motorist coverage, you are protected in accidents with under-insured drivers.
The problem is that sometimes accidents are severe and cause enormous amounts of damage and life-altering injuries, so your uninsured motorist coverage alone may not be enough. The at-fault driver may have little or no insurance available to pay for the damages, but you should not have to pay for the repercussions of an accident that was not your fault.
A Gulfport uninsured car accident lawyer can help you understand what options you may have after an accident with an uninsured or under-insured driver. They can examine your insurance policy to confirm that you have uninsured motorist coverage and if it is not enough to cover your damages, look for other types of insurance or alternatives that could provide relief. For a free case evaluation, contact the Morris Bart law firm at (228) 357-9621.
For a free legal consultation with a Uninsured Car Accident lawyer serving Gulfport, call 800-537-8185
Potential Options for Recovering Compensation for Your Car Accident
There are some other options available if you did waive your right to uninsured motorist coverage, or if your policy does not provide enough to cover your losses. Some common options include:
Your Own Insurance Policy
If you get into an accident and the driver who is responsible for causing the accident does not carry auto insurance, but you have no uninsured motorist coverage, the next place you should look into is your own insurance policy. For example, some policies include coverage for medical payments, regardless of who is responsible for the accident.
Another example is collision coverage. If you carry this type of insurance, you may be able to use that to repair or replace your vehicle. Collision coverage is typically sold separately from other insurance, so not all drivers carry it, except that it is often required for vehicles that are financed. This type of insurance is designed to reimburse you for the costs of repairing or replacing your car, minus the cost of your deductible.
Personal Injury Lawsuit
In some cases, you can pursue compensation to which you may be entitled through a personal injury lawsuit. While this is normally a route a lawyer may suggest for clients to help recover their losses, the challenge is that many people who do not carry auto insurance also may not have enough income or assets to make this strategy worthwhile.
Gulfport Uninsured Car Accident Lawyer Near Me 800-537-8185
Types of Damages You May Be Able to Recover After a Car Accident
There are a number of types of damages you may be able to recover after an automobile accident. The types of recoverable damages include:
- Hospital stays
- Surgical procedures
- Doctor’s examinations
- Pain and suffering
- Lost wages
- Future wages
If your loved one died as a result of their injuries after an accident, your family may also be able to recover compensation for:
- Funeral and burial costs
- Medical costs left to the family to pay
- Pain and suffering
How the Team at Morris Bart, LTD can Help
If you were involved in an accident with a driver who was uninsured or under-insured, you can still seek damages in court. However, it may be challenging to collect the entire amount through a personal injury lawsuit. You may carry uninsured motorist coverage on your liability policy, as long as you did not waive this coverage in writing when you bought the policy.
It is important to know, however, that even if you are making a claim with your own insurance company, and even if you made every premium payment on time, the insurance company may try to minimize the amount that they have to pay you. A Gulfport uninsured car accident lawyer can provide the same level of representation they would in other car accident cases to help make sure you are treated fairly.
For a free, no-obligation review of your case, contact the Morris Bart law firm at (228) 357-9621.
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