Uninsured Driver Accident Lawyer You Can Count On
We know the law, can investigate your crash and handle your injury claim
One of the most frustrating types of car accidents to deal with is a crash caused by an uninsured driver. Because the driver who caused your accident does not have insurance, you probably have a lot of questions and concerns about how you will pay for your accident expenses. Fortunately, you’re not alone. We can help.
Attorney Stephen A. Longo and his talented legal team at The Longo Firm, LLC in Colorado Springs know how to handle complex legal cases. Our knowledge comes from working with numerous injury victims and helping them obtain the money they deserve for their car accident.
We also believe it’s important to treat clients with respect. That’s why we promise to work hard to earn your trust. You can contact attorney Longo directly anytime you want on his personal phone to find out the status of your case. We work this way because we believe we should be accessible on your terms. Your best interests come first here.
Are drivers required to have insurance?
Each state has its own unique rules and regulations when it comes to insurance requirements for drivers. In Colorado and Arizona, for example, all drivers are required to have some form of car insurance in order to legally operate a vehicle in the state. In particular, drivers in both states must have a minimum amount of liability insurance, a term used to describe insurance that pays for accident-related expenses (medical bills, replacement income, vehicle repairs, etc.) for people injured in an accident caused by the driver. Specifically, liability insurance pays for accident expenses in which a policyholder is found legally liable (responsible) for causing the accident.
As a result, accidents caused by someone without insurance can be extremely complicated. This is why it’s important to consult with a lawyer right away if the at-fault driver who caused your crash does not have any insurance.
Who pays for accidents caused by uninsured drivers?
Depending on the circumstances of your accident, one or several different people or companies may be responsible for paying for your accident-related expenses. This may include:
- The uninsured driver who caused your accident.
- Your insurance company, depending on the type of auto insurance you have.
- The bar, restaurant or liquor store that sold alcohol to the driver who caused your accident, particularly if the driver was intoxicated when they purchased alcohol, then caused your crash. In such circumstances, you may be able to pursue what’s known as a “dram shop” claim.
These are just some of the parties who may ultimately be responsible for paying for your accident-related expenses. Other options may exist, as well. Your lawyer can investigate all of them and advise you on how best to proceed.
What are my legal options?
If you are injured in a car accident caused by an uninsured driver, there are several options you may be able to pursue in order to obtain the financial compensation you deserve for accident expenses. Such options often include:
- File a claim with your own insurance company, especially if you have uninsured motorist coverage as part of your insurance policy. Insurance companies are required to offer such coverage to all drivers in Colorado. You must specifically request in writing that you do not want uninsured motorist coverage.
- File a lawsuit against the at-fault driver seeking damages (financial compensation) for your accident-related expenses.
Other options may exist depending on the circumstances of your accident. The most important step involves establishing that the other driver was at fault in the crash. This is because many states, including Colorado and Arizona, have a fault-based insurance system. That means you can only receive financial compensation for your crash if someone else was at fault. Otherwise, your uninsured motorist coverage, for example, would not cover your accident claim.
Get the law firm that gets results. Contact us.
The stakes are high in many accidents caused by uninsured drivers. Your medical bills, vehicle repair costs, replacement income if you cannot work during your recovery and other expenses can quickly add up to thousands of dollars or significantly more. Insurance companies know this. That’s why they often do everything they can to reduce or deny claims.
That’s not right. That’s why we want to work with you. We know how to negotiate effectively with insurance companies and anyone else responsible for compensating you for your crash. If they refuse to cooperate, we will not hesitate to file a lawsuit or take other legal action on your behalf.
The clock is ticking after your accident. You only have three years from the date of your crash to take legal action in Colorado. That deadline is two years in Arizona. Don’t miss out on your opportunity to demand the money you deserve. Contact our law firm and schedule your free case evaluation right now. We handle cases throughout both states.
The Longo Firm, LLC – here for you when you need us most.