It is not uncommon for drunk driving accident victims to face difficulties on the road to physical and financial recovery. But if you were hit by an impaired driver who has no insurance, getting the compensation you need to move forward can feel like a losing battle.
Fortunately, there are two ways to recover money for your injuries and other damages in this situation. One is filing a personal injury lawsuit against the offender, and the other is using your uninsured motorist (UM) coverage. Boulder car accident attorney Christopher Jeffress explains both options below.
Is It Worth Suing an Uninsured Driver?
While you can file a car accident lawsuit against the uninsured driver who hit you, it is generally not going to achieve a good result. Most uninsured drivers do not carry insurance because they cannot afford it. Even if you win the lawsuit, you won’t be able to recover money that the defendant doesn’t have.
There are some rare instances where it makes sense to sue an uninsured or underinsured driver. For example, when the defendant has suitable assets. Our lawyer may run a credit and asset check on the drunk driver who hit you to determine if this option is worth pursuing.
Using Your Uninsured Motorist (UM) Coverage
Uninsured motorist (UM) coverage can keep you from paying out of pocket for a car accident caused by an uninsured driver. Assuming you have this coverage in your policy, it is probably going to be your best bet for getting compensation. Uninsured motorist coverage can pay for lost wages, medical bills, pain and suffering, and other damages.
Keep in mind that using your UM coverage may pit you against your own insurance company. Your adjuster may work to delay, devalue, or deny your claim in order to protect the company’s bottom line.
Mr. Jeffress has over two decades of experience handling accident claims. On top of that, he used to represent insurance companies, meaning he has insider knowledge he can use to seek maximum compensation on your behalf.
Schedule a Free Case Review in Boulder
If you are ready to learn how to pursue the justice and compensation you deserve, call 303-993-8685 to schedule a free case review. Attorney Christopher Jeffress will walk you through the options for recovering compensation from a drunk and uninsured driver that are specific to your situation. Jeffress Law, PC serves Boulder, Longmont, Broomfield, and the surrounding areas of Colorado.