If you’ve ever been in an auto accident, you may have had a simple and seamless experience thanks to your insurance company. However, if you're involved in an accident with an uninsured driver, a number of complications may arise. Use the following guide to learn more about this unique situation and how it applies in no-fault states, like Hawaii.

What to Know About Accidents With Uninsured Drivers

Who pays for the uninsured driver?

If you get into an accident with another driver, and they haven’t secured the state’s minimum amount of car insurance coverage, they won’t have an insurer to take care of the damages. Typically, their insurance company would front the cost of the collision repairs and medical bills. If you're the only insured driver, your insurance company may be left to cover the damages, or you may have to pay out-of-pocket.

What happens in no-fault states?

In no-fault states, like Hawaii, there's no one driver to blame and hold responsible for physical injuries. Therefore, your insurance company will likely take care of the costs to treat your injuries and the other passengers'.

However, this coverage has a limit. If the injuries are severe and your insurer won’t cover the damages, you may be able to sue the other driver. When it comes to vehicle or property damage, one driver will be charged with fault and made responsible for the losses.

What can I do to protect myself?

If your policy doesn't cover the serious injuries caused by the auto accident, suing isn’t the only option. Proactively protect yourself by securing uninsured motorist coverage.

This policy will kick in if you're involved in an accident with an uninsured driver, so there's no need to proceed with a lawsuit. If a family member has uninsured motorist coverage, you may be able to use theirs.

Are there other options?

Drivers in Hawaii who don’t yet have uninsured motorist coverage can file an Assigned Claim with the State. If you were injured by a driver without car insurance, the state would assign an insurance company to handle the claim. They can only provide up to $20,000 to cover the damages, which may not be enough for substantial injuries.

If you were involved in an auto accident with an uninsured motorist and need to file a lawsuit, turn to Charles H. Brower and Associates, A Law Corporation in Honolulu, HI. This personal injury attorney and his team will strive to secure compensation so that you can recover from the damages. They provide custom legal counsel and pay meticulous attention to detail to build a strong case. Get more information about their services online, or call (808) 526-2688 to schedule a consultation.