Delaware requires all drivers to carry minimum levels of insurance coverage to address personal injury or property damage that another driver may sustain in an accident. If you were in a serious car accident with an uninsured driver, you may conclude that taking legal action is not worth the effort.
In reality, it may be able to recover your damages from someone who does not have insurance. Here are some reasons why you should consider seeking a legal remedy to recover your expenses.
A lack of coverage does not necessarily signify inability to pay
The fact that someone does not have insurance does not automatically mean they cannot afford it. People allow insurance to lapse for many different reasons. Sometimes, lapses are the result of simple oversight. Also, people may have assets that could satisfy a monetary judgment.
A person may be driving on behalf of a third party
The driver at fault for your accident may not be the only person or entity responsible for an accident. If the driver was acting in the scope of his or her employment, the employer may be liable.
It may not be prudent to rely wholly on your own insurance carrier to address your damages. Without uninsured motorist coverage, you may not be able to make any type of recovery. Also, without another carrier to pursue for its expenses, your insurer may not be eager to pay your claim. Ultimately, you should not rule out the possibility of seeking damages from an uninsured driver.