Many people might not realize the problem that uninsured drivers cause in the Unites States. According to a recent report, approximately 14 percent of drivers in the U.S. are uninsured. This means there is a significant change that if you get rear-ended or injured in a crash, the at-fault driver wouldn't be able to pay for damages or medical expenses.
This can result in severe economic hardship for an accident victim. Sometimes medical expenses cost thousands of dollars just for an emergency room visit, not including hospital admissions or rehabilitation that might be necessary after a person is discharged from the hospital.
To counter this problem, many states are starting to take action against uninsured drivers, in order to prevent them from taking to the roads without insurance. Although drivers can purchase protection through their insurance policies to cover themselves for some expenses if they are hit by an uninsured driver, their expenses might far exceed the amount covered in their policy. The coverage for uninsured motorists also adds about $100 to most premiums each year, costing American drivers an additional $11 billion to $12 billion per year in premiums.
Speaking to an experienced personal injury attorney after a car accident might be a wise decision. They can help a victim in Lake Charles understand their rights. Seeking compensation might be an option to help the victims of an accident pay for medical expenses as well as other expenses that might be encountered because of the person's injury or inability to work after an accident.
Source: The Wall Street Journal, "Uninsured-Driver Dilemma," Leslie, Scism, Dec. 1, 2013