Although the law in some states demands that anyone owning a motor vehicle get that same vehicle insured, not everyone that sits at the wheel of a car, truck, van or SUV is driving an insured means of roadway transportation. Some people purchase such insurance, and then fail to pay the premiums, causing their policy to lapse. In that way, they add to the number of uninsured drivers on the road.
Suppose you get hit by an uninsured driver
If you get hit by an uninsured driver, and you do not carry an uninsured driver’s policy, then you gain access to only a limited number of benefits. You can still get medical benefits, rehabilitation benefits and attendant care benefits. Still, you will be deprived access to other services that could ease your recovery and might reduce the chances that you will get inundated with all sorts of financial obligations.
One major move that you cannot make involves the filing of a lawsuit. Even if you cannot be declared at fault, you cannot sue a driver that has failed to obtain the necessary insurance.
Why it pays to carry uninsured driver’s insurance
If you get hit by four-wheeled vehicle, you should expect to suffer more than some mild bodily injuries. You might have to deal with chronic pain. You may lose your primary mode of transportation. If the person that hit you did not carry insurance, you would be deprived of a way to deal with such problems.Here are other benefits to which you will be denied access:
• You will not be receiving any money that can replace your lost wages, if you find that you are unable to get right back to work.
• You will have lost your chance to demand payment for educational expenses, if you find that you have to learn a new trade, because an injury keeps you from making money off of a former skill.
• If you get out-of-town visitors while in the hospital or confined to a bed at home, you will not have a way to reimburse their expenses, should any one of them need to seek out a source of lodging.
• If you get laid up in bed, you will not be able to perform any housekeeping chores. At the same time, you will be unable to obtain cash that you can use to cover a housekeeper or anyone that might contribute to maintenance of your home.
The above list highlights more than one reason that it pays to include coverage for an uninsured driver in your insurance policy. After all, any such policy must cover those situations that are likely to happen, plus those that do not seem likely to happen, along with those that cannot really be designated as something that would never happen. This is one of the reasons that you need to talk with your injury lawyer in Vaughan.