It is estimated that nearly 15% of all drivers in the United States are either underinsured or lack auto insurance entirely.
This is a relatively high number that may spell misfortune for individuals who are in accidents with one of these drivers.
The burden of paying medical bills and auto repairs often falls on the victim of the accident when the driver who causes the accident does not have adequate insurance coverage or lacks it all together.
Victims may find themselves facing medical and auto repair bills totaling thousands of dollars.
Being faced with the prospect of paying thousands of dollars for an accident that you did not cause may feel overwhelming.
Luckily, you may have options for coverage depending your own auto insurance policy.
Many drivers' auto insurance policies contain clauses that cover motorists when they are in accidents with uninsured or underinsured drivers.
What this means is that even though the victim did not cause the accident, his or her insurance may still cover his or her expenses stemming from the accident.
In many cases, insurance companies that allow drivers to have these policies will require drivers to present a court ruling that states he or she was not at fault for the accident.
This is usually to prevent instances of insurance fraud.
Getting a court ruling may mean facing a judge and presenting evidence to support your claim.
As with any legal case, individuals who pursue court rulings to prove that they are not at fault in an accident should have experienced attorneys to handle their cases.
If you or someone you love suffered injuries in an accident that an uninsured or underinsured motorist caused, the Wisconsin insurance claim attorneys of Habush Habush & Rottier, S.
C.
can help you find out whether your insurance company will cover your expenses and how to claim your compensation.