Automobile Accidents in Lincoln—Matters of Insurance
One of the most frustrating aspects of an auto accident injury in Lincoln, besides the physical and emotional aftermath of the incident, is discovering that the other driver did not have sufficient car insurance. You may wonder what this means in terms of collecting compensation for your injuries, damage to your vehicle, and other losses. The Lincoln personal injury lawyers at Brock Law Offices, P.C., L.L.O. are here to explain your options.
Nebraska auto insurance laws
The state requires that all drivers have a minimum amount of insurance on their vehicles. Drivers must carry at least $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of more than one person, and $25,000 to cover property damage in a single accident. Although most drivers probably want more coverage than this, it is the absolute minimum amount required by law.
What you can do to help your case
Relevant facts can help your claim. If you know the other driver was uninsured, make sure the police report filed for the accident states this. Make your car accident attorney in Lincoln aware of this fact as well. When negotiating with your insurance company, or engaging in a Lincoln personal injury law suit for your accident, lack of insurance is a crucial piece of information that is very relevant to your case. Lincoln personal injury laws do not look kindly on drivers who went uninsured and then caused an accident, and this information can work to your benefit during negotiations or a trial.
What are your options for compensation?
The entire point of having car insurance is to pay for damages that occur in the event of an accident. But if a driver does not have insurance, does that mean that person cannot, or will not, pay damages owed to you? No, it does not. If the other driver is found to be at fault, that person is still liable for any harm caused. The difference in seeking damages, in this case, is that your injury lawyer in Lincoln must file a claim against the other driver, instead of an insurance company. If your suit is successful, the other driver pays out-of-pocket for your suffering.
However, you do have the option of seeking compensation from your own insurance company if you purchased sufficient uninsured motorist coverage, underinsured motorist coverage, and uninsured property damage coverage. You must have purchased this coverage prior to your accident. In this case, your insurance company essentially pays the damages you would ordinarily seek from the insurance company of the other driver.
Contact us for experienced automobile accident lawyers in Lincoln
If you have trouble dealing with insurance companies or those who are uninsured, we want to help you. At Brock Law Offices, P.C., L.L.O., results matter. Contact us at 877-290-9727 to speak to our highly qualified auto accident attorneys in Lincoln.
