I WAS IN AN ACCIDENT OTHER CAR NOT INSURED, HOW TO RECOVER FOR DAMAGE TO MY VEHICLE?
The first answer is that it depends on the insurance you have for your car. If you have comprehensive collision coverage on your vehicle, your insurance will repair or replace your car if the other car is uninsured. Unfortunately, if you have liability only coverage on your car, your insurance will not cover you for the damage caused by an uninsured driver. In that situation, you would have to pay for your car damage yourself, and possibly sue the other driver for reimbursement. However, if you or a passenger were injured, the situation becomes more complicated. Therefore, you should call us and speak with an attorney before suing the uninsured diver.
UNINSURED MOTORIST COVERAGE
One of our lawyers recently received a phone call from someone who thought maybe their “uninsured” coverage on their policy would cover the damage to their car after being hit by another car with no insurance. Unfortunately, that is not what uninsured coverage covers. In Minnesota, uninsured motorist coverage applies to auto accident injuries. It will help with medical bills and injury compensation, but not damage to your vehicle. It is also important to know that your uninsured auto coverage will only pay up to the amount of coverage you purchased – regardless of how serious your injuries are.
A car accident where the other driver doesn’t have insurance causes many problems. Our lawyers wish that the requirement for auto insurance was enforced better. However, having your own car well insured can be very helpful. Uninsured auto insurance comes with every policy in Minnesota and is helpful to compensate you for your injuries.
If you are involved in a Minnesota car accident and have questions about your insurance coverage, call us and speak with a lawyer for a free consultation. Our lawyers have over 25 years’ experience representing car accident victims throughout Minnesota.