Insurance companies go after uninsured drivers by utilizing the subrogation process, which allows insurers to assume the role of an accident victim and either negotiate for financial aid or take a liable party to court for damages.
In other words, insurance companies do not let a liable party’s lack of coverage prevent them from demanding compensation after supporting an injured client. Insurance adjusters can summon liable parties to discuss the liable party’s financial responsibilities. Liable parties who try to duck their responsibilities may find themselves summoned to Wisconsin’s civil courts.
If you want to learn more about the steps insurance companies can take to go after uninsured drivers, you can make One Call…That’s All. Our Milwaukee uninsured car accident lawyers can break down the steps you can take to recover from a car accident while also explaining how your insurer can hold a liable party responsible for the cost of your post-accident care.
What Is Subrogation?
“Subrogation” allows insurance companies to hold uninsured drivers responsible for the cost of a client’s recovery after an accident.
If you get into an accident with an uninsured driver, you can rely on your insurance provider to support you throughout your recovery. Your insurer, in turn, can utilize the subrogation process to demand that a liable party compensate them for the money they’ve offered you.
Insurance companies can go after uninsured drivers using a variety of tools to pursue repayment after an accident. Some companies will even take uninsured drivers to court, where they can demand financial support in front of a judge.
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How Do Insurance Companies Communicate With Uninsured Drivers?
Insurance companies can conduct an independent investigation into the negligence that led to your accident and assign fault accordingly. Insurance adjusters can then assess the total value of your damages, award you support, and turn their attention to uninsured drivers.
Once an insurance company knows how much money you need to recover, it can send an uninsured driver notice via written demand. That demand will request reimbursement from the liable driver, sent directly to the insurance company. These notices go into great detail about the extent of your losses and can provide uninsured drivers with proof of damages paid out.
Of course, uninsured drivers do have the right to negotiate upon receiving a demand. Conversations with insurance adjusters can allow drivers to go on a payment schedule, though some may opt to pay a lump sum.
Can Insurance Companies Sue Uninsured Drivers?
If a liable party refuses to cooperate, insurance companies can go after uninsured drivers in court. Insurers have the right to sue uninsured drivers who ignore demands. Those lawsuits allow insurance companies to demand compensation not only for the damages paid to an injured driver but also for fees and interest.
If an insurance company takes legal action against an uninsured driver, the company can invoke lawful collection remedies to secure payment. These remedies may include wage garnishment or liens. This financial impact can devastate a person’s financial health, especially if they’re dealing with accident losses of their own.
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Uninsured Drivers Can Face Additional Legal Penalties
To compound matters, it’s illegal to drive without insurance in Wisconsin. Drivers caught operating a vehicle without a license can face fines of up to $500 and the loss of their license, and that’s before police officers take the consequences of an accident into account.
Uninsured drivers who face criminal charges must also purchase an insurance policy, then ask that insurer to submit an SR-22 certificate for them. These certificates verify the purchase of a driver’s new policy and must remain on file for at least three years following the renewal of a person’s license.
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How Can Car Accident Victims Recover After Accidents With Uninsured Drivers?
Getting into a car accident with an uninsured driver can put you in a difficult position. Fortunately, your own insurance provider should reach out and see you compensated for expenses related to your accident, including your medical care and any related property damage.
If you’ve invested in uninsured motorist coverage, you should have additional financial support that can protect you from a negative financial fallout. Your personal health insurance can also help you cover any financial gaps left by your car insurance provider.
However, you also retain the right to take legal action against an uninsured driver, independent of your insurance provider. If you’re interested in suing an uninsured driver in the wake of an accident, our Milwaukee uninsured car accident lawyers can help you establish your right to a case.
Our Milwaukee Uninsured Car Accident Lawyers Work on Contingency
If you’re struggling to recover after an accident with an uninsured driver in Milwaukee, don’t panic. You can get in touch with our law firm immediately after your accident and ask for legal guidance. Connecting with us won’t lock you into a specific course of legal action, but can put you in contact with a lawyer who can investigate your unique circumstances.
Our team won’t charge you when you come asking us for legal advice. Our Milwaukee car accident lawyers work on contingency, meaning that we only get paid once we win your case. You won’t have to pay a retainer or deposit to start working with our team. We don’t charge by the hour, either. You won’t even receive any bills from our firm while we’re representing you.
There’s no fee for our services unless we win your case. Then, our payment comes out of your accident settlement. In other words, there aren’t any financial barriers standing between you and the legal guidance you need to understand how insurance companies go after uninsured drivers after serious accidents.
Let Us Protect You After an Accident With an Uninsured Driver
Do you need help holding an uninsured driver responsible for the losses you sustained in a recent collision? Do you have questions about what lengths insurance companies might go to against uninsured drivers? Consider booking a free case consultation with our Milwaukee personal injury lawyers.
Our legal team at Gruber Law Offices can break down the subrogation process and explain that while you ask your insurer for support, an insurer can demand compensation from a liable party. We can also highlight the ways that our representation can ensure your conversations with an insurer remain productive.
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Call or text (414) 276-6666 or complete a Free Case Evaluation form
