Truck accidents are serious and can be devastating because of the extent of damage they cause. Commercial trucks are heavy and weigh significantly more than other standard cars, which leads to severe accidents. When an accident occurs, the driver can claim their compensation and recover losses. However, what happens if the truck driver is uninsured?
In most states of the country, motor vehicle operators must carry a certain amount of insurance to operate their vehicles. If you or your loved one have been in a truck accident caused by a negligent truck driver, contact Manhattan, KS Truck Accident Attorney.
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What happens if the truck driver is uninsured?
Suppose the truck driver is working independently or for a company that does not satisfy the Federal Motor Carrier Safety Administration (FMCSA). In that case, the victim may find themselves facing the driver, and the motor carrier that he worked for is uninsured.
If the trucker or the trucking company has little to no insurance, it is possible to claim against them. Uninsured motorist coverage is a kind of insurance that can be bought as a part of a driver’s policy. This kind of coverage comes into play in hit-and-run cases. Uninsured motorist policy help recover losses from an accident. But, the coverage is often limited and may not cover the entire expenses of your damage.
Follow the below-mentioned steps to recover your losses from an accident with an uninsured truck accident.
File your insurance claim
If you have an insured vehicle in Manhattan, you must carry auto insurance with PIP (Personal Injury Protection) coverage. Manhattan is a no-fault state, which means you will receive coverage for damages in an accident in the form of reimbursement of medical and disability costs.
Your PIP coverage may also fall short if you are a high-wage earner, need rehabilitation or extensive therapy, which you will require to file a claim and get compensation for your plan before taking other remedies.
You should submit your PIP claims within 14days after the accident. After submission, your insurance company will pay your compensation within 30days.
Explore legal options by hiring a truck accident attorney.
It is typically not a good decision to file a personal injury claim by themselves without retaining the attorney to lead the process. The claiming process is complex, and therefore you need an experienced team of attorneys on your side whose job is to make the employer pay the least amount for your damages.