What If I’m Hit by an Uninsured Driver in Delaware?
Enjoying the beautiful roads of Delaware by car, motorcycle, or bus is certainly a great plan. The state has a vast diversity of amazing scenery to offer both to residents and tourists. But if you are a driver who is planning on visiting some of the wonderful places Delaware has to offer, make sure you take the necessary precautions before you go out on the road. One of the most important things you must check is your insurance policy; it must be up-to-date and meet all the current and applicable legal requirements.
Unfortunately, not all drivers act responsibly when it comes to insurance practices. And if you happen to be involved in a crash with an uninsured motorist, then you’ll need to take quick action to avoid serious economic losses. Wilmington and other busy cities see these cases regularly. Hence, knowing what to do can help you protect your rights and recover compensation.
Delaware’s Insurance Rules and Uninsured Drivers
Delaware law requires all drivers to carry liability insurance. Minimum coverage includes $25,000 per person for injuries and $50,000 per accident. Despite this rule, some people drive without valid insurance. Others only carry the minimum, which may not cover serious injuries.
If an uninsured driver hits you, they may not have enough funds to pay damages. Even if they are clearly at fault, collecting from them can be difficult. This is where uninsured motorist (UM) and underinsured motorist (UIM) coverage can make a difference.
How UM and UIM Coverage Work in Delaware
Uninsured motorist coverage applies when the other driver has no insurance or disappears after a hit-and-run. Underinsured motorist coverage applies when the at-fault driver has insurance, but not enough to cover your losses.
Delaware drivers automatically receive UM and UIM coverage with their policies unless they reject it in writing. Many Wilmington drivers wisely keep this coverage because it offers crucial protection.
For example, imagine you are rear-ended at a red light by an uninsured driver. Your medical bills reach $40,000, and your car is totaled. If you have UM coverage, you can file a claim with your own insurer to recover damages. This includes medical expenses, lost wages, and sometimes pain and suffering.
What to Do After a Crash With an Uninsured Driver
The steps you take immediately after the accident matter. First, call the police and request an official report. A police report documents the uninsured status of the other driver, which helps with insurance claims.
Second, gather evidence at the scene. Take photos, exchange contact information, and get witness statements if possible. If it’s a hit-and-run, try to note the vehicle’s make, model, and license plate.
Third, notify your insurance company promptly. Tell them the driver was uninsured or fled the scene. Delaware insurers often require quick reporting for UM and UIM claims.
Finally, seek medical attention right away, even if you feel okay. Injuries like whiplash or internal trauma may appear later. Medical records are also critical for your claim.
Why Hiring a Lawyer Helps With Uninsured Driver Accidents in Delaware
Uninsured driver claims can get complicated fast. Insurance companies may delay, deny, or undervalue your claim. A lawyer can protect your rights and handle negotiations. They can also investigate the crash, locate assets, and represent you in court if necessary.
Imagine a hit-and-run crash in Wilmington where the driver can’t be found. A lawyer can help you pursue UM benefits, handle paperwork, and fight for full compensation.
Call Edelstein Martin & Nelson After a Crash with an Uninsured Driver
If you face medical bills, car repairs, and stress after a crash with an uninsured driver, you’re not alone. Delaware law and UM coverage provide options, but legal support makes a real difference. Our experienced Delaware auto accident lawyers can guide you through claims and lawsuits, helping you seek the recovery you deserve.
Call Edelstein Martin & Nelson at (302) 295-5050 today for a free consultation. Learn your options and protect your future after an uninsured driver accident in Delaware.