Many accident victims mistakenly believe that it is impossible to get compensation from uninsured/underinsured drivers. Indeed, the lack of or insufficient insurance could make things a little more difficult. However, an experienced Peoria car accident attorney may be able to find a way to help their client. 

If the driver at fault for your accident is uninsured or underinsured, you should not give up the fight. Instead, you should discuss your case with a car accident lawyer. Since many Peoria car auto accident lawyers provide free consultations, you have nothing to lose. You could gain a solution out of your dreadful situation. 

Possible Solutions a Car Accident Attorney Will Exploit in Case of Uninsured/Underinsured Driver Liability

Before giving you a verdict, an experienced car accident attorney will assess the available coverage. They will look not only at the coverage of the driver at fault but also at your own. Many insurance companies include uninsured/underinsured motorist coverage in their clients’ policies. Unless you specifically denied yours, you may have it. If that is the case, you can file the compensation claim with your own insurer. 

If the driver at fault is uninsured, you could still claim compensation within the available coverage from their insurer. If your damages exceed that coverage, you may claim the difference from your own insurer. Even if your insurance policy does not provide uninsured/underinsured motorist coverage, you should not despair. 

An experienced Peoria auto accident lawyer will also assess the possibility of going to court. A lawsuit may not be a good idea if the party at fault cannot afford to pay the compensation. However, if they can, suing them in civil court could be your best alternative. Experienced auto accident attorneys have no problem going to court to defend their clients’ interests. 

The bottom line is that solutions exist even when the party at fault is uninsured/underinsured. To identify them, your best bet is to consult a Peoria car accident attorney. Until then, there are a few small things you can do to make sure your first consultation is productive. 

Tips to Make the Most of Your First Consultation with Your Peoria Car Accident Lawyer

Before meeting the auto accident attorney you decide to consult, it helps to follow the tips below:

• Gather as much information about the party at fault as possible. The obvious details to start with are the name, driving license, and insurance information. Then, you can look up their social media profile to find out more about their job, income status, friendships, etc. 
• Gather, organize, and bring along any pieces of evidence. If you have photos, videos, notes, or witness information from the accident, bring them along. If not, make sure to get a copy of the police accident report. Besides figuring out the insurance issue, you will still need to prove the other party’s liability. 
• Check your own insurance coverage to find out where you stand. As shown above, it may be possible to seek compensation from your own insurer. To assess if that is the case, your car accident attorney would need to look at your own insurance policy and contract. When that is not possible, your personal information could help them identify the information they need by other means. 
• Make a list of all your accident-related losses and expenses. The purpose of the compensation is to help you recover your losses. Before figuring out from whom to seek compensation, it helps to know the value of the compensation.                                                                                       
• Make a list of questions you want to ask or aspects you need to be clarified. In theory, you know where your interests lie and what you want to know. In practice, on the spur of the moment, you may forget details. The list can help you make sure you’ve covered everything. It will help you obtain all the answers and advice you need. 

Consult a Peoria Auto Accident Attorney Now!

Would you like to assess your chances of obtaining compensation from an uninsured/underinsured motorist? Our Peoria car accident lawyers can help. To benefit from their advice, use the online contact form and schedule a consultation now. 

Our Peoria car accident attorney will review your case and tell you what to expect. Depending on their findings, they will recommend the best strategy for your case. It is important to note that, at Warnock MacKinlay Law, such consultations are free. What you do with the information you receive is then entirely up to you. Hopefully, you will use it to claim compensation from the right party and recover your losses.