Dealing with Uninsured Drivers in New Hampshire Car Accidents

Car accidents are stressful enough, but when the driver responsible for the crash does not have insurance, the situation becomes even more complicated. In New Hampshire, while most drivers do carry car insurance, the state does not require every driver to have it. This can leave many people facing difficult questions about how to recover from damages and injuries when the at-fault driver is uninsured. Understanding what steps to take after being hit by an uninsured driver in New Hampshire is essential for protecting your rights and ensuring you are fairly compensated. At, Tenn And Tenn, PA , we are here to guide you through the legal process and help you navigate the complexities of your case.

James J. Tenn, Jr.
Attorney

Mary Elizabeth Tenn
Attorney

John J. Tenn
Attorney

Working hard to obtain the best results possible for our clients and fighting to protect their rights.

New Hampshire’s Unique Car Insurance Rules

Unlike many other states, New Hampshire does not require all drivers to have car insurance. While it is highly recommended for drivers to carry insurance to cover the costs of accidents, some people choose to drive without it. This lack of mandatory coverage increases the risk of facing an uninsured driver after a crash. Although drivers without insurance can still be held financially responsible for any damages or injuries they cause, the process of recovering compensation becomes more difficult when insurance is not involved. In New Hampshire, if you are in an accident with an uninsured driver, your ability to receive compensation depends on your own insurance coverage. If you carry uninsured motorist coverage as part of your policy, you may be able to file a claim through your own insurance company. This type of coverage is designed to protect you in situations where the at-fault driver cannot pay for the damages caused.

The Importance of Uninsured Motorist Coverage

Given the possibility of encountering uninsured drivers on the road, it is essential to understand the benefits of uninsured motorist coverage. If you are involved in a crash with a driver who does not have insurance, this coverage can be a lifesaver. It allows you to recover damages for your injuries, medical bills, and vehicle repairs without having to rely on the at-fault driver’s ability to pay. Without uninsured motorist coverage, you may have to pursue legal action against the uninsured driver to recover compensation. This process can be long and complicated, and even if you win your case, there is no guarantee the driver will be able to pay what they owe. Uninsured motorist coverage helps to avoid these issues by allowing you to seek compensation from your own insurance company. In New Hampshire, it is not mandatory to have uninsured motorist coverage, but it is strongly recommended. Even though car insurance is not required by law, having protection in case of an accident with an uninsured driver can save you from serious financial hardship.

What to Do After a Car Accident with an Uninsured Driver

If you are involved in an accident with an uninsured driver, the first steps you take are crucial. First and foremost, make sure everyone involved in the accident is safe and seek medical attention for any injuries. Once safety is secured, contact the police and report the accident. Having an official police report can be extremely helpful when dealing with insurance claims or legal proceedings. After contacting the police, you should gather as much information as possible about the accident. This includes getting the contact information of the uninsured driver, as well as the names and contact details of any witnesses. Taking photos of the accident scene, the vehicles involved, and any visible injuries can also be helpful for documenting the crash. It is important to contact your insurance company as soon as possible after the accident. If you have uninsured motorist coverage, you will need to file a claim through your own policy. Your insurance company will guide you through the process and help determine what compensation you may be entitled to for medical expenses, vehicle repairs, and other damages.

Filing a Lawsuit Against the Uninsured Driver

In some cases, your uninsured motorist coverage may not be enough to fully compensate you for your injuries or damages. In this situation, you may need to consider filing a lawsuit against the uninsured driver. While it is possible to recover compensation through a legal claim, this process can be challenging, especially if the driver has limited financial resources. A lawsuit against an uninsured driver may result in a judgment in your favor, but collecting that judgment can be difficult. If the driver does not have insurance, they may also lack the financial means to pay for your damages. Even if the court orders the driver to pay, you may face difficulties in actually receiving the compensation you are owed. However, it is still worth exploring the possibility of a lawsuit with the help of an experienced attorney. Your lawyer can help you evaluate your options and determine whether pursuing legal action is the best course for your situation. They will also guide you through the legal process, ensuring your rights are protected and your case is handled properly.

The Role of a Personal Injury Lawyer in Uninsured Driver Cases

Dealing with the aftermath of a car accident is never easy, and when the at-fault driver is uninsured, it can feel overwhelming. This is where a personal injury lawyer can make a significant difference. An attorney with experience in handling car accident cases, particularly those involving uninsured drivers, can help you navigate the complexities of the situation and work to secure the compensation you deserve. A lawyer can assist you in negotiating with your insurance company to ensure you receive the full amount of compensation available under your uninsured motorist coverage. They can also explore other potential avenues for recovery, such as filing a lawsuit against the uninsured driver or identifying other parties who may be liable for the accident. Having legal representation can provide peace of mind during a difficult time, as your attorney will handle the legal details while you focus on recovering from your injuries. They can also help you understand your rights and make informed decisions about how to proceed.

Recovering Damages Without Insurance

If the at-fault driver in your accident does not have insurance, you may still be able to recover compensation through other means. In addition to your own uninsured motorist coverage, you may be able to seek compensation from other sources. For example, if the accident was caused by a defective vehicle or poorly maintained road conditions, you could potentially pursue a claim against the responsible parties. An experienced personal injury attorney can help you identify all possible avenues for recovering compensation. This may include filing claims against third parties, such as vehicle manufacturers, government entities responsible for road maintenance, or other drivers involved in the accident. By exploring all potential sources of compensation, your lawyer can help ensure you receive the financial recovery you need to cover your medical bills, lost wages, and other damages.

Protecting Yourself from Uninsured Drivers

While you cannot control whether other drivers on the road carry insurance, there are steps you can take to protect yourself in the event of an accident with an uninsured driver. Carrying uninsured motorist coverage as part of your car insurance policy is one of the best ways to ensure you are covered if you are hit by an uninsured driver. In addition to having the right insurance coverage, driving defensively and being aware of your surroundings can help reduce the risk of being involved in an accident. Always follow traffic laws, avoid distractions while driving, and be cautious of other drivers who may be acting recklessly. By taking these precautions and understanding your rights and options after an accident, you can better protect yourself from the potential financial burden of an accident with an uninsured driver. If you have been involved in a car accident with an uninsured driver in New Hampshire, you may feel unsure about how to proceed. The legal and financial challenges can be overwhelming, but you do not have to navigate them alone. Tenn And Tenn, PA is here to help. With years of experience in personal injury law, our team of dedicated attorneys can assist you in recovering the compensation you deserve. We offer free consultations and work on a contingency fee basis, meaning you will not owe any money unless we successfully resolve your claim. Contact us today to learn how we can help you after an uninsured driver accident.