DRIVER WITH NO CAR INSURANCE CAUSED ACCIDENT – YOUR RIGHTS – MINNESOTA LAWYERS
Approximately 10 percent of the cars on Minnesota roads are uninsured. That is better than many states, but still a problem for you if you happen to get in an accident caused by a driver with no insurance.
Our car accident attorneys represent many people every year who have been in a crash caused by an uninsured driver. The first question is usually how to get repaid for the cost to fix or replace your vehicle if the other driver doesn’t have insurance. The simple answer is that if your auto insurance includes collision coverage, your insurance company will pay to fix or replace your car (minus your deductible). Your insurance company will then go after the uninsured driver to get their money back, and hopefully your deductible as well.
HOW TO SUE OTHER DRIVER UNINSURED
However, if you only have liability automobile insurance coverage, your insurance company will not pay to fix or replace your car and you are on your own against the uninsured driver who caused the car accident. In that case, you will have to sue the uninsured vehicle owner. In most cases, lawyers will recommend (if you were not injured) that you do this yourself in conciliation court – which takes cases up to $15,000. Even if your vehicle damage or replacement value is over $15,000, it is often more cost effective to do it yourself and reduce your claim to $15,000 rather than hire a lawyer to sue for you.
The second issue is what to do if someone was injured in the auto accident caused by an uninsured car. The first thing to know is that you MUST NOT sue the uninsured driver for anything, even in conciliation court, if there is a potential injury case. MN law allows a person to sue another person only once for the same incident. So if the owner of a damaged car sues the uninsured driver for the vehicle damage, the owner may be precluded from later suing for the injury. If you have any question about this, call our office and speak to an experienced auto accident attorney before you do anything on your own.
It is also important to know that your own automobile insurance includes something called No Fault coverage and also uninsured motorist coverage. These are required by Minnesota law to be in every auto insurance policy, even if you sign up for liability only coverage. Uninsured motorist coverage means your insurance will step into the shoes of the uninsured vehicle and pay injury compensation to you and anyone injured in your car that the other driver should have paid – up to your policy limits.
If you have been injured in a car accident by a driver with no insurance, please call our office for a free consultation with an experienced car accident lawyer. Pam Rochlin and David Rochlin have more than 25 years’ experience representing hundreds of people injured in automobile accident including many where the other driver was at fault but doesn’t have insurance. An attorney will explain your rights to you and make sure you get all the compensation you are entitled to. Our MN auto accident lawyers will meet with you at our offices in Edina, Minneapolis, Woodbury, or St. Louis Park. Our lawyers also will go to people’s homes to discuss an uninsured car accident injury in St. Paul, Roseville, Forest Lake, White Bear Lake, Lino Lakes, Brooklyn Park, Brooklyn Center, Golden Valley, Maple Grove, Plymouth, Eden Prairie, Apple Valley, Chaska, Chanhassen, Rogers, Albert Lea, Mankato, Burnsville, and other cities throughout Minnesota.