Car accidents can cause harm and undue stress, but you may be especially stressed to learn that you have been in an accident with an uninsured driver. You may be wondering if compensation for your damages is possible. A Minneapolis uninsured car accident lawyer might be able to help you and explain your options. Call Ben Crump Law, PLLC at (800) 598-7557 to learn more.
Uninsured Drivers in Minnesota
According to the Insurance Information Institute (III), 11.5% of Minnesota drivers were uninsured in 2015. Drivers are uninsured for many reasons, but one common reason is that they cannot afford it. A 2016 law in Minnesota requires drivers to show proof of insurance when reregistering a vehicle. For this reason, the act of driving uninsured is in and of itself negligent. Although car insurance rates are high for many people, Minnesota drivers must have auto insurance by law.
Minnesota is one of only 16 states that require a driver to have both uninsured and underinsured motorist coverage on their car insurance policy. These coverages kick in after basic coverage is used up. Minnesota is also one of just a few no-fault states, meaning injury claims go through your Personal Injury Protection (PIP) coverage first, no matter who caused a crash.
When a serious accident occurs, many times, the minimum legal car insurance requirements for PIP are not enough. Many people cannot afford more than the minimum legal coverage, and the burden then falls on responsible drivers. To cause further problems, many collisions with uninsured drivers are hit-and-runs because the uninsured driver does not want to have to face authorities and be caught without insurance. A Minneapolis uninsured car accident lawyer may be able to help with all of these scenarios.
For a free legal consultation with a uninsured car accidents lawyer serving Minneapolis, call (800) 598-7557
Costs of Uninsured Car Accidents
If you have been in a car accident with an uninsured driver, you are probably feeling uncertain of how to proceed. One thing that is certain is the costs that are accruing. Costs and losses you are facing may include:
- Doctor visits
- Hospital stays
- Disfigurement and scarring
- Temporary or permanent disability
- Therapy and rehabilitation
- Temporary or permanent job loss
- Loss of income
- Car repairs or replacement
- Towing and rental car charges
- Pain and suffering
You may have other costs not included on this list, including future medical bills and other future costs stemming from the accident. If a loved one died in the accident, you might also be facing burial costs, loss of consortium, loss of the loved one’s income, and mental anguish.
You have suffered greatly already. You should not have to suffer further by paying for costs incurred due to someone else’s negligence. An accident caused by a negligent and uninsured driver should not result in financial hardship for the victim. The at-fault driver should be made to pay. A lawyer can help protect your rights and may help you recover some or all of these costs.
Minneapolis Uninsured Car Accident Lawyer Near Me (800) 598-7557
Hiring a Lawyer Who Can Help with Your Case
When you make the decision to hire a lawyer, you are deciding to have someone help you right the wrong that has been done to you. A lawyer will perform their own investigation after listening to the details of your case. They will interview witnesses and medical experts. They will look over all of the documentation, including police reports and medical findings. They will look for video surveillance in the area and visit the scene of the accident. They may even have experts reconstruct the accident.
A lawyer will advise you on what you should or should not do to help with your case. They will keep you informed and listen to any concerns that you may have. They will explain all of your options so that you can determine your next steps. They will see your case through until the end and will not be satisfied with the outcome until you are fairly compensated.
Most importantly, they will fight for compensation for you when insurance does not or will not pay. You do not want to settle for less than you deserve from an insurance company. A personal injury lawyer has most likely negotiated with many insurance companies before, and they will try to obtain the most favorable settlement possible.
In cases of an uninsured driver, your lawyer can contact witnesses and investigate who the driver might be. If they find the driver, they will pursue them for compensation for your injuries in court because they do not have insurance. However, it might not be possible to find the at-fault driver. In these cases, your lawyer can negotiate with your own insurance policy to try to get you the highest possible settlement.
Begin Your Quest for Compensation Today
Minnesota Statutes § 541.07 states that you have only two years from the date of the injury to file a personal injury claim, and Minnesota Statutes § 573.02 states that most wrongful death actions must be filed within three years of the date of the death.
At Ben Crump Law, PLLC, we believe you should not have to pay for the consequences of someone else’s negligent actions. We can help you hold the party at fault accountable for their wrongdoing.
A Minneapolis uninsured car accident lawyer can begin working for compensation for you today. Get started by calling Ben Crump Law, PLLC at (800) 598-7557 for your free consultation. We work on a contingency fee basis, meaning you pay nothing upfront. We only receive our fee from any settlement we obtain for you.