Being involved in a car accident is stressful enough.
However, being hit by a driver with no insurance can make things just that much worse. This is even more important if you live in Mississippi since the rate of uninsured drivers is higher than the national average.
You should seek legal assistance if you are hit by an uninsured driver. The top Tupelo car accident attorneys can assist you in dealing with the complexities of your case, ensuring you get fair compensation for your losses and damages.
Understanding Mississippi’s Uninsured Motorist Coverage
Uninsured motorist (UM) coverage may appear on your auto insurance policy to protect you in circumstances where you’re involved in an accident with a driver who doesn’t have insurance. This coverage will pay for medical expenses, lost wages, and repairs to your vehicle.
Experienced car accident lawyers can help you determine what steps to take to file a claim with your UM policy and maximize the compensation you receive.
Time to File a Claim with Your Insurance Company
If the other driver is not insured, you’d want to claim UM coverage from your other insurance companies in Mississippi rather than your liability carrier. You’ll have to prove that the accident occurred by providing police reports, medical records, and witness statements.
Hence, insurance companies may pay less on insurance claims, and having an experienced attorney will ensure your case is handled correctly and fairly.
Personal Injury Lawsuits Against the At-Fault Driver
If a driver is insured, that often means paying for damages through an insurance company. However, a driver may have personal assets that will cover your damages if a driver is not insured. You can also file a personal injury lawsuit against the driver in Mississippi law courts, but you should consider the costs and benefits.
If the driver is well off, an attorney can tell you whether you should pursue this route.
Seeking Compensation Through Other Sources
You may have to look for other means of recovery if your damages exceed your UM limit or the at-fault driver’s assets. This may include claiming your health insurance policy, using MedPay, which is available in Mississippi, or filing a claim against the third party at fault for the accident.
Hence, an experienced attorney can help determine all possible paths to recovery.
The Importance of Legal Representation
Dealing with an uninsured driver while trying to recover from injuries can be overwhelming. However, if you hire car accident attorneys, you get somebody who knows Mississippi laws and how to help you protect your rights.
Conclusion
If you’re involved in an accident with an uninsured driver in Mississippi, you may feel powerless. The problem is that most people don’t know their legal options. But it doesn’t have to be this way.
The specifics of your case will determine how you want to leverage your uninsured motorist coverage or how you wish to proceed with a personal injury lawsuit. With the assistance of an experienced car accident attorney, you can navigate the legal process while focusing on recovery. An uninsured driver shouldn’t leave you stranded—act now to protect your rights.
