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Definition of Uninsured Motorist

The uninsured motorist is the motorist who does not have insurance coverage to pay for damages resulting from an accident or their negligence. Drivers generally have the option to purchase additional coverage to protect themselves against uninsured drivers.

If you have been injured in a car accident due to the negligence of an uninsured driver you have two options: sue the uninsured driver or file a claim against your own insurance company. Suing an uninsured driver, however, may not be the best option because they generally do not have assets or money to pay for your losses (if they did they probably would have purchased insurance).

Injury lawyers will generally not take a case against the uninsured motorists unless they believe they have hidden assets and there is a chance of recovery. The second option is to file a claim against your own insurance company under your uninsured motorist coverage. If you choose to do this you generally cannot file a lawsuit but would instead be required to settle through binding arbitration per your insurance contract.

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