Being involved in a car accident is a traumatic experience, but it can be even more stressful if the other driver is uninsured. In Albuquerque, driving without insurance is illegal, yet there are still many uninsured drivers on the road. If you find yourself in this unfortunate situation, hire an experienced Albuquerque accident attorney to protect your rights and help you navigate the legal process.
Driving without insurance is not only illegal but also poses significant risks to both the uninsured driver and other road users. In the event of an accident, an uninsured driver may not have the financial means to cover the costs of property damage, medical expenses, and other damages. This can leave the victim with no recourse for compensation, resulting in significant financial burden.
According to the Insurance Research Council, approximately 13% of drivers in the United States are uninsured. In New Mexico, the percentage is even higher, with an estimated 20% of drivers being uninsured. These statistics highlight the prevalence of uninsured drivers on the road and the increased likelihood of being involved in an accident with one.
As a victim of an accident with an uninsured driver, you need to understand your legal rights and options for seeking compensation. In New Mexico, victims have several legal avenues to pursue compensation, including filing a claim with their own insurance company under their uninsured motorist coverage.
New Mexico law requires all drivers to carry uninsured motorist coverage as part of their auto insurance policy. This coverage is designed to protect victims in the event of an accident with an uninsured or underinsured driver. It provides compensation for medical expenses, lost wages, pain and suffering, and other damages.
Dealing with insurance companies can be a daunting task, especially when it comes to filing a claim for compensation after an accident with an uninsured driver. Insurance companies are notorious for trying to minimize payouts and may use various tactics to deny or undervalue your claim. The Law Office of Brian K Branch can help you navigate the complexities of your insurance claim and ensure that you receive fair compensation. We will handle all communication with the insurance company on your behalf, ensuring that your rights are protected and that you are not taken advantage of.
Recovering damages from an uninsured driver can be challenging, as they may not have the financial means to compensate you for your losses. However, there are still options available to victims. In addition to filing a claim with your own insurance company under your uninsured motorist coverage, you may also be able to pursue a personal injury lawsuit against the uninsured driver.
Negligence can be established by showing that the uninsured driver breached their duty of care to other road users, such as by speeding, running a red light, or driving under the influence of alcohol or drugs. By proving negligence, you can hold the uninsured driver responsible for their actions and seek compensation.
After being involved in an accident with an uninsured driver, act quickly and hire an attorney as soon as possible. Time is of the essence in these cases, as there are strict deadlines for filing claims and initiating legal proceedings.