Personal Injury: Dealing with an Uninsured Driver
In Alaska, there are parts of the state where neither car insurance coverage, nor vehicle registration is mandatory. If you are involved with a car accident, how does a driver deal with an accident that involves a driver without car insurance? This article will discuss the available options for a driver involved in an accident with an uninsured driver.
Car insurance coverage is vital especially in the case of a car accident where a person is injured and there is property damage. The car insurance of your vehicle or the other driver’s vehicle covers in part or in full medical treatment and vehicle damage or repairs. It is important to note that under Alaska Statute 28. 22.011 (1) (a) & (b) a number of areas are exempt from registration and the mandatory insurance law, some of these areas include the following:
- Atka
- Bell Island
- Clarke’s Point
- Cape Pole
- Cube Cove
- Excursion Inlet
- Good News Bay
- Nelson Lagoon
- Port Williams
- Railroad City
- Stony River
- Yes Bay
The state of Alaska is a ‘fault’ state also known as an ‘at fault’ state when it comes to auto insurance. This basically means that Alaska drivers and passengers have several options if there have been involved in a car accident including the following:
- Filing a claim with your own insurance company
- Filing a claim with the other driver’s insurance company, that is a third-party claim
- Filing a personal injury lawsuit
The decision to use one of the three options is determined by who was at fault or legally responsible for the crash. The at fault driver is usually responsible for paying medical bills, property damage or other losses that are as a result of the accident. However, in the event that you are involved in an accident with a driver who does not have any car insurance at all, option number two above becomes null and void. Therefore, it is likely that you have to turn to your own insurance company to cover your damages and medical treatment if you are properly insured. Or there is the option of filing a personal injury lawsuit against the uninsured driver.
If you are involved in an accident with an uninsured driver, the option of filing a lawsuit against the other driver rests on your ability to determine the fault or negligence of the driver. However, even if you are successful in proving that the other driver was at fault for the accident and you manage to obtain a judgement against them there is no guarantee that you will actually be able to collect anything. It must be noted that many people who are uninsured are often not in a financial position to pay a judgement.
If you have been involved in a car accident with an uninsured driver the best course of action is to speak to Anchorage Alaska attorneys, and to ask for help determining whether your coverage applies and what options are available in your specific situation. If you have suffered injuries in an accident that wasn’t your fault, contact Anchorage Alaska attorneys who focus on personal injury matters.
For information on personal injury the author recommends Crowsonlaw.Com
Post Your Ad Here
Comments