If you or a loved one has been involved in an auto collision caused by a motorist who doesn’t have insurance, you’re probably wondering how you’ll get the compensation you need to cover medical and vehicle repair costs. A crash can cause a number of financial losses, so it’s important to explore alternative options at a time like this.
An Albuquerque car accident lawyer can help you pursue compensation by other means. The team at Zinda Law Group can help you explore filing a claim with your own insurance, consider taking the offending motorist to court, and answer any questions you have regarding what happens when the at-fault driver in Albuquerque doesn’t have car insurance.
Paying the Bills When the At-Fault Driver in an Albuquerque Car Accident Lacks Insurance
After most accidents, the victim files a claim with the at-fault driver’s liability insurance provider. Doing so allows accident victims like yourself to get the money they need to physically and financially recover. While according to the Motor Vehicle Department of New Mexico, all drivers are required to carry liability auto insurance, not all motorists do.
Luckily, there are alternative legal options you can pursue if you’ve been injured by an Albuquerque driver who doesn’t have car insurance. Instead of filing a claim with the at-fault driver’s insurer, you may be able to file a claim with your own uninsured motorist (UM) insurance policy.
Filing a Claim With Your UM Policy
Although New Mexico doesn’t require drivers to carry UM insurance policies, all auto liability insurers are required to offer it. If you agreed to sign up for a UM plan when you bought your insurance policy, you’ll likely be able to use it to cover your accident-related losses.
That said, just because you’re filing a claim with your provider doesn’t mean it will offer a payment that covers all your losses. In fact, they might deny your claim outright. The best way to combat dishonest and bad-faith insurance tactics is to work with a skilled car accident lawyer from Albuquerque.
In addition to advising you on what to do if the at-fault driver in an Albuquerque car accident doesn’t have car insurance, a seasoned attorney can also help you file a strong, facts-based claim with your UM policy provider. They’ll negotiate with adjusters, appeal denied claims, and fight for the compensation you need to get back on your feet.
Taking Legal Action
Depending on your unique situation, a car accident lawyer may also be able to take the at-fault driver to court. If you don’t have a UM policy or if the circumstances of the collision warrant a lawsuit, a skilled attorney can fight for the damages you’re owed in court.
John (Jack) Zinda
Founder / CEO
Over 100 years of combined experience representing injured victims across the country.
Available 24 / 7|Free ConsultationOther Situations Your UM Policy Can Cover
You can file a UM claim for a number of situations other than Albuquerque car accidents caused by motorists without insurance. You can also file a UM policy claim if the collision you were injured in involves one of the following elements:
- A hit-and-run accident
- The at-fault driver’s policy lapsed
- The at-fault driver’s insurer denied them the proper coverage
- The at-fault driver’s insurance provider became insolvent
Neil Solomon
Partner
Real results matter. We do not get paid unless we win your case.
Available 24 / 7|Free ConsultationCompensation an Albuquerque Attorney Can Pursue After an Accident With an Uninsured Driver
Whether your attorney seeks financial remedies by filing a claim with your UM policy or by taking the uninsured at-fault driver to court, you can expect them to demand a variety of helpful damages on your behalf.
Depending on the losses you’ve taken on and the suffering you’ve experienced due to your injuries, your lawyer may seek the following forms of compensation:
- Current and future medical costs
- Emergency medical expenses, hospital treatment costs, and ambulance fees
- Physical therapy costs
- Vehicle repair expenses
- Lost wages
- Decreased earning ability
- Pain and suffering
- Emotional distress
- Diminished quality of life
Jason Aldridge
Attorney
Standing by 24 hours a day, 7 days a week ready to answer in your time of need.
Available 24 / 7|Free ConsultationDon’t Wait to Take Action After a Driver Without Insurance Causes a Car Accident
If you have been hurt in a car accident caused by an uninsured driver, New Mexico law only gives you a short time to take legal action. According to NMS § 37-1-8, you have three years from the day of the crash to file a civil suit against the at-fault driver.
If you fail to comply with the three-year filing timeframe, you’ll likely be denied access to the damages you need to assist your physical and monetary recovery. Instead of waiting to take action and risking your recovery, find a trusted lawyer today and get started on your case.
Cole Gumm
Attorney
We are here to ensure you won’t have to face this difficult time alone.
Available 24 / 7|Free ConsultationMeet With a Car Accident Attorney from Albuquerque for Free
If an at-fault driver in an Albuquerque car accident doesn’t have insurance, there are several ways you can still collect life-changing damages. Contact Zinda Law Group today to learn how to seek compensation and get the advocacy you need to win your case.
An attorney from our team can meet with you to discuss your case via a free consultation. If they agree to help you, you’ll gain the assistance of a highly experienced team committed to providing compassionate counsel and aggressive representation, no matter how complicated your case is.
Jason Aldridge
Attorney
We have successfully represented clients in a wide variety of cases across the country.
Available 24 / 7|Free Consultation
