I WAS IN AN ACCIDENT WITH AN UNINSURED CAR, 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 even if the other car is uninsured and the accident was the other car’s fault. However, 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 (although if you or a passenger were injured, call us and speak with an attorney before suing the uninsured diver).
One of our lawyers recently received a phone call from someone in this situation who thought maybe their “uninsured” coverage on their policy would cover the damage to their car after their were 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. If you are in a car accident and the other driver does not have insurance, your uninsured coverage will compensate you and your passengers for injuries – but it does not apply to the property damage to your car. 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.
If you are involved in a Minnesota car accident and have questions about your insurance coverage, you are welcome to call us and speak with a lawyer for a free consultation. Our lawyers have over 25 years’ experience representing car accident victims throughout Minnesota.