I Was Injured by an Uninsured Driver in Nebraska
All drivers in the state of Nebraska are required to carry liability insurance. However, according to the Insurance Information Institute, 6.7 percent of motorists in Nebraska were uninsured in 2012. If you are injured by an uninsured or underinsured driver, you should contact a personal-injury attorney immediately to discuss your options for recovering compensation.
While some drivers refuse to purchase insurance, others lose their coverage because it expires or they do not pay their premiums. In either case, you could be in a precarious position if you are hit by an uninsured driver.
There are typically two options for collecting compensation after such an accident: filing a lawsuit against the driver or making a claim against your own insurance company. Both come with unique challenges, and a small mistake could reduce the amount of compensation you recover or prevent you from recovering any compensation at all.
This is where an accident lawyer can help. An Omaha personal-injury attorney from Rensch & Rensch Law will evaluate your case, answer your questions, and explain your options for recovering compensation.
If you have uninsured or underinsured motorist insurance, we will handle correspondence with your insurer to make sure you receive a fair payout. If your only option is to sue the at-fault driver, we will help you determine if he or she has the assets to make legal action worthwhile.
Call 1-800-471-4100 to schedule a free consultation. You can also learn more about car accident injury claims in Nebraska by visiting http://car-accident.usattorneys.com/nebraska/.
Let’s take a closer look at your options following a crash with an uninsured driver:
Make a Claim against Your Own Insurance Company
It is recommended that drivers carry uninsured motorist (UM) coverage with the same limits as their liability coverage. If you carry UM coverage and you are injured by an uninsured driver, you can make a claim against your own insurance company.
It is important to note, though, that just because you have UM coverage does not mean that your insurer will step up to the plate and offer a fair payout. You will have to prove that the other driver was at-fault for your accident, which may be challenging depending on the nature of your wreck. An accident lawyer can help you gather evidence to prove negligence, liability and the value of your damages.
File a Lawsuit against the Uninsured Driver
After most car accidents, all legal action is taken against the insurance company. However, if a driver is uninsured, then he or she may be subject to legal action.
Unfortunately, drivers who cannot afford to pay for car insurance typically do not have the funds or assets to pay for the damages they cause in an accident. Before you commit to costly litigation, it is important that you or your personal-injury attorney finds out whether legal action is worth pursuing.
An Omaha accident lawyer from Rensch & Rensch Law will evaluate your situation and explain your options for recovering compensation. Our attorneys have more than 45 years of combined legal experience. Call 1-800-471-4100 to schedule a free consultation.
