Yes. If the other driver caused the accident then you do have a claim, whether they had insurance or not.
There may be other sources of insurance that we can tap. For instance, you may have “underinsured or uninsured motorist coverage” that would apply. The other driver may also be insured as a driver under another policy that may apply.
It is important to exhaust all avenues, as the source of insurance is not always apparent when an accident happens.
Finally, even if there is no insurance coverage, you can still obtain a civil judgment against the other driver for the losses you have sustained. A civil judgment can be enforced against assets, including real property, that the other driver may own.
If you have questions regarding the other driver’s insurance coverage, give us a call and we will help you find the answers you need.
For more information, email Will: will@mcelweelawfirm.com