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Accidents are stressful enough. In an instant, whatever you were about to do is put on hold so that you can deal with the physical injuries and property damage that another driver caused. As you are dealing with the typical stresses of a car crash, you may learn that the driver who caused your accident had no car insurance.
Finding out that driver is uninsured can be incredibly frustrating, but if you know what to do next you may still recover damages for your accident injuries.
Uninsured Motorist Crash Compensation
After a crash with an uninsured driver, you will be financially responsible for your own accident costs, unless:
- The uninsured driver pays for your accident damages. If a driver doesn’t have car insurance, then, likely, the driver doesn’t have the financial assets or income to pay for your accident damages. Of course, there are exceptions to this general statement. For example, an uninsured driver who simply forgot to pay the car insurance bill may have the financial means to pay for your damages.
- Your own insurance company pays for your accident damages. In Iowa, uninsured motorist coverage is part of your car insurance policy unless you explicitly opt-out of having this coverage. If you do have uninsured motorist coverage, then your insurance company is responsible for paying for your accident damages when you are hurt in a crash caused by an uninsured driver. Even though this is the insurance company that you pay for coverage, you should expect the insurance company to try to pay you as little as possible so that it can maximize its profits.
Our experienced Iowa car accident lawyers can help you get the compensation you deserve. We will investigate your accident, determine whether the uninsured driver can pay your damages, and negotiate with your insurance company on your behalf.
We strongly believe that legal fees should not be a barrier to hiring a car accident attorney. Accordingly, we are only paid if we settle your case or win compensation for you in court. Contact us today to schedule a free consultation and to learn more about protecting your right to a fair recovery after a crash with an uninsured driver in Iowa.
