What if the other driver does not have enough insurance to cover my losses?

If the other driver involved in the car accident does not have enough insurance to cover your losses, you may have to use your own insurance to cover the difference. In Delaware, drivers are required to carry a minimum coverage of bodily injury and property damage insurance. This type of insurance will cover the expenses of any injuries sustained and damage to property, but not always the full extent of the losses. If the other driver does not have enough insurance to cover the difference, you may need to turn to your own insurance policy or to civil court to be compensated for the remaining balance. If the other driver does not have insurance, you can seek compensation through the Uninsured Motorist Coverage portion of your own policy. This coverage helps to pay for damages if you are in an accident with a driver who does not have insurance or does not have enough insurance. If your losses exceed the amount of coverage offered in your policy, you may need to file a lawsuit against the other driver. In Delaware, filing a lawsuit against the other driver is known as filing a civil lawsuit. A civil lawsuit must be filed within two years of the car accident in order to be considered. The court will consider the evidence of the accident, your injuries and losses, and the amount of insurance that the other driver had in order to decide if you should be compensated for your expenses. If you have been in a car accident and the other driver does not have enough insurance to cover your losses, it is important to seek legal advice about your options. An experienced car accident attorney can help you determine the best path forward and ensure that you are properly compensated for your losses.

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What if the other driver does not have enough insurance to cover my losses?

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