A car accident is difficult enough.
Finding out that the driver who caused the crash has no insurance can make the situation even more stressful.
Fortunately, an uninsured driver does not necessarily mean you have no way to pursue compensation.
Uninsured Motorist Coverage Can Help
Mississippi law requires automobile liability policies to include uninsured motorist coverage unless properly rejected, subject to the requirements and limits established by law.
This coverage is designed to help an insured recover damages for bodily injury or death caused by an uninsured motorist.
What If the Driver Flees?
A hit-and-run crash can create another problem because the responsible driver may never be identified.
Mississippi law specifically addresses situations involving an unknown motor vehicle in connection with uninsured motorist claims.
Reporting the accident promptly is important.
Your Own Insurance Company May Become Part of the Claim
When you make an uninsured motorist claim, you may be seeking benefits from your own insurance company.
That does not mean the company will automatically pay everything you request.
Your insurer will still evaluate the claim.
Keep Evidence
Save:
- Police reports
- Photographs
- Medical records
- Insurance documents
- Witness information
- Vehicle damage photographs
- Repair estimates
- Lost wage records
Do not assume the insurance company already has everything.
Know Your Policy
Your coverage limits matter.
So do the circumstances of the accident.
An attorney can review the policy and determine how uninsured or underinsured motorist coverage may apply.
If you were injured by an uninsured driver in Jackson or elsewhere in Mississippi, Timbs Injury Law can help you understand your options and pursue the insurance benefits available under your policy.