What if the Driver at Fault Doesn’t Have Insurance?

So, we get a lot of questions about insurance, and specifically about what if the person who caused this wreck, this terrible crash, has no insurance at all, how does that impact your case. Well, there are very specific insurance laws that come into play in that scenario. And, in fact, what most people don't know is a big source of a recovery or a claim to be made for a crash victim may involve your own insurance policy. And many people don't know that you pay in your policy premiums for a benefit that addresses that very situation where the other at-fault driver has no insurance, they're breaking the law, they're driving without insurance, they let their policy lapse. You can look to your own policy, and it will step into the shoes of that other driver and actually insure you for purposes of what happened. Many folks don't know that. And so, there's a lot of things to look at there, and there's even more complicated rules involving your own insurance policy that a competent lawyer should look at when investigating your case.