What If I Am Injured in An Accident and I Don’t Have Insurance?

Being injured in an accident can throw your life into a tailspin. You may wonder what you should do if you’re hurt but don’t have insurance. In that case, if the accident was the fault of someone else’s negligent behavior.  You might be able to file a claim against their insurance company. Making your insurance status immaterial. However, the best thing to do is to immediately contact a lawyer. Let your lawyer be your guide on how to proceed while protecting your right to compensation.

What Is a Personal Injury Case? 

A personal injury case is any situation where you are injured. Due to actions or inaction of another party. They are common in auto accidents but can also happen in other situations. You may suffer a personal injury if you slip and fall on a floor that hasn’t been properly cleaned or dried. You could be at a restaurant and have hot food spilled on you.  

You may be eligible to file a personal injury claim in countless ways. Suppose you’ve been injured and feel another party was at fault or liable for the injury. In that case, you should reach out to a personal injury lawyer as soon as possible. 

What If I Am Injured in An Accident and I Don’t Have Insurance?

While you should always have insurance, especially while driving. It’s the law in Missouri that if you are injured and you don’t have insurance, there are often ways to handle it. Generally, if the accident were not your fault. The person who is deemed liable for the accident would be the one whose insurance would be paying out, not yours. In cases like this, technically, it shouldn’t matter if you have insurance or not. 

accident car wrecks

What If the Party Liable for The Accident Has No Insurance?

There may be cases where the party that caused the accident has no insurance. In these situations, there are generally two ways the claim can proceed. First, you can rely on your uninsured motorist coverage to help. The other option is to hope that they have the net worth and personal assets needed to cover your claim. 

Personal Net Worth of The Liable Party

If the liable party doesn’t have insurance. You may be able to go after their personal liquid assets, property, and more to cover your damages. Typically, this option is not very common since few people have readily accessible assets. Especially assets that are great enough to cover your damages 

Injured in An Accident: Uninsured Motorist Coverage

The most common way to recover compensation for your damages is if the at-fault party doesn’t have insurance. Is to rely on your insurance policy’s uninsured motorist coverage. If you have auto insurance. The odds are good that you will have some policy contingencies for damages caused. This coverage may not cover everything, but it can help considerably. Be sure you check your policy details to be sure. 

What Damages Can Be Claimed After Getting Injured in An Accident Resulting in Personal Injury?

The damages you may be able to claim during a personal injury lawsuit include but aren’t limited to: 

• Medical expenses related to the diagnosis, treatment, and rehabilitation of the injuries
•  Lost wages and diminished earning capacity due to injuries.
•  Loss of consortium for your spouse
•  Damages related to repair or replacement of personal property damaged in the accident.

The Devkota Law Firm Can Fight for Your Financial Recovery

With more than 20 years of experience practicing personal injury law in the Kansas City area. The Devkota Law Firm is ready to fight for your recovery of adequate compensation. Filing a personal injury claim can be relatively complex. Especially during a time when you’re simply trying to heal and recover, it can add a lot of stress to your life.  

Letting a qualified, local attorney handle the hard part. While giving you legal guidance and representation. It can help you to recover more significant damages. If you have been injured in an accident and don’t have insurance. Reach out today and discuss your case details in confidence with a member of our legal team. Let us help you get started on your claim!