If you are involved in a car accident and don't have any insurance, you might wonder what the consequences will be. In some states, such as New Hampshire, it is actually legal to drive without auto insurance. But regardless of whether or not you are allowed to not carry insurance, you will need to figure out how to seek compensation for your injuries and the damage done to your vehicle when you are not at fault for the accident.
Your Right to Compensation
Even if you are not carrying auto insurance, you have the right to seek compensation for your injuries if you are not at fault. If the other driver has insurance, you can file a claim with their insurance provider. If they do not have insurance, they will still be responsible for paying for the damage they have caused.
If you live in a state that requires auto insurance, you will likely face penalties for driving without insurance. This can lead to a license suspension or revocation, fines, and jail time. You may also have limits placed on how much you will be compensated for the damages you have suffered if you are not carrying insurance.
The Importance of Hiring an Auto Accident Attorney
If you do not have auto insurance, you will not have an auto insurance provider who can pay for your damages if you are found responsible. Therefore, it's important to hire an experienced auto accident attorney who can help you prove that the other driver is at fault. To do so, you will first need to prove that the driver had a duty of care and that they breached this duty. You must then prove that the act of breaching the duty of care lead to you becoming injured.
When Your Damages Are Excessive
If your damages are so high that they exceed the maximum amount that the other driver's insurance provider would pay out, you will not be able to turn to your insurance provider to make up the difference. However, you may be able to reach a settlement with the other party or sue them for the remaining damages. Your attorney will help you determine whether it is worthwhile to pursue legal damages based on how many assets the other party is likely to have and your ability to collect them. If you were in an accident, it's important to get help. Contact an auto accident injury attorney for more information.