Anyone with experience driving home during rush hour knows how dangerous this can be; however, you take steps to make sure that you are safe behind the wheel. You expect other people to do the same. Sometimes, accidents happen. When they do, you might have injuries that require medical care.
This can be expensive. Therefore, you might be thinking about who to sue. Do you file a lawsuit against the insurance company? Or, do you file a lawsuit against the driver?
Negotiate with the Insurance Company
Assuming you are not at fault in the accident, an auto accident lawyer is going to recommend that you negotiate with the other driver’s insurance company first. Anyone who operates a motor vehicle must have car insurance.
If they do not have car insurance, this is illegal. Therefore, you need to speak with the insurance company first. Then, you can negotiate a settlement amount that will cover not only the cost of your car but the cost of your medical expenses as well.
What if the Driver Doesn’t Have Enough Insurance?
If the driver does not have enough insurance, the next step is to file a negligence lawsuit against the driver of the other motor vehicle. It is the driver’s responsibility to make sure that he or she has enough insurance to cover the costs of an accident.
It is not the insurance company’s responsibility to make sure the driver has enough insurance. For this reason, most states are not going to allow you to file a lawsuit against the insurance company. Instead, you will end up filing a negligence lawsuit against the driver.
Work With an Auto Accident Lawyer
It can be hard for someone to navigate the legal system for the first time. It is important for people to rely on the help of trained professionals.
