How Do I Sue Uninsured Driver Who Caused Car Accident


HOW TO SUE DRIVER WHO HAS NO CAR ACCIDENT INSURANCE

Our lawyers get calls every week from people who were in a MN car accident where the other driver/vehicle does not have auto insurance. Often the caller’s car was damaged, and they want to know how to sue the uninsured driver. There are a few things to keep in mind in this situation:

First, if you have collision coverage (full coverage) on your car, your auto insurance will cover you. They will pay to fix or replace your car even though the other driver was at fault. Yes, you will have to pay the deductible. But your insurance company will also go after the other driver or vehicle owner.If they can get their money back, you will get your deductible back at the same time.

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Car Accident Other Driver No Insurance

Second, if you sue the uninsured driver yourself, you may interfere with your insurance company’s attempt to do the same.So, at a minimum, don’t sue the other driver without checking first with your auto insurance company. You should also not sue the uninsured driver if you were injured in the car accident. That raises more complicated insurance issues. If you were injured in the accident, call a lawyer before doing anything yourself.

UNINSURED MOTORIST INSURANCE COVERAGE

Under Minnesota law, if you are injured in a car accident and the other vehicle doesn’t have insurance, your auto insurance will pay you uninsured motorist benefits. Your uninsured coverage will compensate for your injuries when the other driver doesn’t have car insurance. You are entitled to this coverage even if you only have liability insurance coverage. Your insurance will even pay you pain and suffering compensation the other driver would be responsible for. However, if you sue the other driver who caused the accident, you may lose your uninsured motorist benefits from your own insurance.

There are a few situations where it will make sense to sue the other driver who has no car insurance.The primary situation is where you are not injured, there is damage to your vehicle, and you only have liability insurance on your vehicle.However, the insurance issues are always a bit complicated, so your best bet is to call us and speak with an attorney for a free consultation.Our car accident lawyers have more than 25 years’ experience representing people injured in crashes throughout Minnesota.