In the case of an automobile or motorcycle accident, if the person who is at fault for an accident does not have insurance, then we do three things. First, we run an asset check on the at-fault party to see if he or she has assets that we could possibly seize to cover your damages.
This requires us to file a lawsuit against the individual. Second, we look to see if the defendant's driver owns the vehicle. Sometimes the driver and owner are two different people.
While the driver might not have insurance, the owner may be insured, especially if the vehicle is financed. Third, we do a complete assessment of the client's insurance coverages to see if this individual has Uninsured/Underinsured Motorist coverage.
If that is the case, then we look to the client's insurance coverage to compensate this individual for his or her injuries and damages. This should not cause the client's insurance to go up since he or she is not at fault for the accident.
