If the at-fault driver possessed insurance, that same driver’s insurance policy would have stated limits.
What are limits?
The monetary value for the maximum amount of damage that a purchased insurance policy is ready to cover.
Sometimes an accident victim finds it possible to gain access to a level of coverage that exceeds the stated limit.
What sorts of actions could allow an accident victim to gain coverage for a large damages, even when that was in excess of the policy’s limit?
If the evidence had indicated that more than one person could be blamed for a given accident, the victim could sue more than on defendant. Each defendant could offer no more than the amount allowed by the limit on the defendant’s insurance policy. Still the sum of payments from the different defendants could be more than the value that had been given in the as the limit on any one defendant’s insurance policy.
Some victims find that the defendant has purchased an umbrella policy. That type of policy allows for coverage of repairs to a long list of damages. A large company could choose to purchase an umbrella policy.
Sometimes a claimant or plaintiff might decide to sue the defendant, with the help of a personal injury lawyer in Milton. That would mean seeking money that went beyond the amount provided by the insurance company’s compensation package.
—A victim might try to garnish the wages of the person that was, allegedly, responsible for a given accident.
—A victim might try to obtain a portion of the defendant’s assets.
Could that final tactic also be used to go after monetary compensation from an uninsured driver?
If the victim had chosen to hire a lawyer, then he or she might care to try suing any uninsured motorist. Still, that tactic would only work, if the defendant had a job, or did hold some assets.
Unfortunately, an uninsured motorist seldom has a good-paying job, and almost never has any assets. Yet some of them keep driving, and having accidents. Still, the government does keep track of the number of times that any licensed driver has been found lacking an insurance policy, when involved in an accident.
If a motorist were to get involved in 6 or 7 accidents, and confess to the absence of insurance at each of them, the government would send a warning. It would give the same motorist a short span of days for obtaining insurance. If the same motorist were to remain free of insurance coverage, the government would then cancel his or her driver’s license.
The government knows that the motorist’s chances for obtaining insurance are low, due to the motorist’s driving record. Still, it issues a warning, so that it has been fair.