Car accidents can be traumatizing, and long after the initial shock, can prove to be a great hassle. When the accident involves an uninsured driver, it can prove to be an even greater hassle. Often, auto insurance companies intentionally make it difficult for people involved in an accident with an uninsured driver to get compensation for the resulting damages. When this is the case, you may learn from the man who is suing his auto insurer for denying coverage of damages caused by an alleged hit-and-run accident.
This case is in Louisiana, but uninsured drivers are found in Montana, as well. The driver who fled should be considered uninsured as he was an unidentified driver and insurance claims cannot be made against him. The injured driver is fighting for coverage for repairs and injuries, which he should have received. According to the injured driver, his auto insurance provider is liable for the damages brought about by uninsured drivers.
When dealing with the expenses of a car accident, no driver wants their auto insurance provider refusing to provide compensation. Besides, assurance that you are financially covered in the event of an accident is the primary reason to have auto insurance.
Drivers are likely to be aware that there are uninsured and underinsured drivers on the road. Do not be silent if you are hit by an uninsured or underinsured driver and your auto insurer is refusing to give you compensation. You may be able to sue your auto insurance provider in the same manner as this driver has done. You should not have to pay for medical expenses and repairs if your insurance policy states it will cover such costs for you. Don't let the accident and its expenses overwhelm you and deter you from protecting and defending yourself.
Source: The Louisiana Record, "Man sues auto insurer after alleged hit and run car accident," Kyle Barnett, Feb. 6, 2014