Pennsylvania is one of the states that can boast a relatively low percentage of uninsured drivers on the road, according to the Insurance Information Institute. Even so, you may still find yourself in an accident with a driver who is either uninsured or under-insured. An accident alone can be enough to through you off financially. When you find yourself in an accident with someone without the means to protect themselves, it may feel as though you may never receive compensation for the losses you have endured.
On the other hand, if you do not have enough car insurance and still find yourself in an accident, you may not be sure how to deal with the financial burden you find yourself saddled with.
The Dangers of Driving Without Insurance
Drivers choose to take to the road without insurance for a number of reasons. The most common include concerns about a policy’s cost. Others, however, could involve a person driving a car that they do not own or simply not having enough coverage to deal with a severe accident.
Even so, driving without car insurance can put a driver in significant financial danger. Whether you are the party facing an accident without coverage, or the person who damaged your car does not have the means to compensate you for your losses, you may want to seek out legal help. A Philadelphia uninsured car accident lawyer can walk you through your rights and determine where you stand after an accident. They may also be able to help you secure the compensation you need to get back on your feet after all manners of accidents.
For a free legal consultation with a uninsured car accidents lawyer serving Philadelphia, call 800-598-7557
Consult with a Car Accident Lawyer
Whether you do not have the insurance to cover an accident, or you are working with a party who is insufficiently insured, taking matters to court can be complicated. A representative from Ben Crump Law, PLLC can handle the situation and ensure that you have the opportunities you need to pursue what compensation you may be entitled to.
To do so, the team with Ben Crump Law, PLLC can:
Analyze Your Accident
When you first begin to work with Ben Crump Law, PLLC, the team will need to bring together evidence from your accident to determine what happened. This evidence can include:
- Police reports
- Medical expenses from both parties involved
- Doctors’ recommendations for future treatment
- Video and audio footage
- Your insurance claim
- Eyewitness reports
It will also be the team’s responsibility to determine that the other driver involved in the accident, at the time of the accident, did not have the necessary insurance to meet Pennsylvania’s minimum liability insurance requirements, set by the Pennsylvania Insurance Department.
Sort Liability Between Applicable Parties
Understanding liability in Philadelphia can become frustrating if you do not have experience in the matter. For starters, Pennsylvania is one of the few states that dictate fault on an individual basis. A driver can choose whether to invest in no-fault or at-fault insurance. If a driver chooses no-fault insurance, then their own insurance will pay for their expenses in the accident, and they typically cannot sue for extra compensation. In comparison, drivers with fault-based insurance are able to sue for compensation, but they may also be sued in return.
Liability, then, becomes an individual matter.
When it comes to an uninsured car accident, the question of fault and liability does not become all that simpler to answer. You can sue the other driver if you do not have no-fault insurance coverage. Pennsylvania Statute § 7102 regarding comparative negligence says that if the other driver negligently caused your accident, you can pursue them for damages.
The team you work with will need to first prove that the other party involved in your accident lacks insurance, either because that party did not purchase it or was driving another person’s car. It may also be possible that the person in question has insurance but does not have the means to provide you with compensation for all of the damage you endured.
Claim Your Potential Awards
Once the team with Ben Crump Law, PLLC determines applicable liability in your accident, you can outline what compensation you may be entitled to. Potential compensation includes:
- Medical expenses related to an accident
- Future procedures that will help you regain your quality of life
- Physical therapy
- Psychological counseling
- Pain and suffering
- Wrongful death
Represent Your Claim
Many drivers choose to settle accident claims outside of the court, especially if they do not have insurance. If you want to pursue compensation without filing a civil case, the team with Ben Crump Law, PLLC can still help you ensure that you are not receiving an insufficient settlement. We can also stand with you in court to establish your case and fight for the compensation you may be owed.
Handling Your Case While You Recover
After an accident, you need to focus on your recovery. The team with Ben Crump Law, PLLC knows this and aims to reduce the amount of stress you may be under while seeking legal representation. As such, Ben Crump Law, PLLC works on contingency. This way, you can seek out advice and representation without worrying about an immediate bill. Our law firm will not charge you for any services rendered until you have received what compensation you may be due.
Philadelphia Uninsured Car Accident Lawyer Near Me 800-598-7557
Philadelphia Statute of Limitations on Car Accidents
If your uninsured car accident happened in Pennsylvania, and you wish to pursue legal action, you have two years from the accident date to do so, according to statute of limitations 42 Pennsylvania Code § 5524. If you miss this deadline, you risk losing your right to recover financial awards in your case.
If you wish to take legal action in your uninsured car accident case, reach out to Ben Crump Law, PLLC, as soon as you can so that we can get started on your case.
We can make the legal process easier to manage by collecting documents and filing your lawsuit before the two-year deadline expires. Call 800-959-1444 to schedule your free consultation today.
Work with a Philadelphia Uninsured Car Accident Lawyer
On their own, accidents can cause a major shift in your life. Dealing with an uninsured party or a lack of coverage on your own part can further complicate an already-troubling situation. The good news is that you do not have to go about dealing with these matters alone. You can call on the team with Ben Crump Law, PLLC for guidance and representation as you file a case for compensation.
To start outlining your case with a Philadelphia uninsured car accident lawyer, you can reach out at 800-959-1444.