The Person Who Hit Me Has No Insurance.  Do I Still Have a Car Accident Claim?

You probably do.  In Vermont, as in other States, uninsured motorist insurance is required.  When you purchase insurance to protect against accidents that you may cause, you also have purchased insurance for people who cause accidents that do not have car insurance.  In essence, you have purchased an automobile insurance policy for a future unknown person who will run into you that will pay for your full damages as though they were insured themselves.

Uninsured motorist coverage is not a gift from your insurance company.  You paid for it and paid premiums.  Insurance companies will not always volunteer that you have this coverage if you find yourself in these circumstances, but it should be used if the need arises.  It acts just like insurance for the other person, and, in fact, the Vermont Supreme Court has ruled that your own insurance company becomes your adversary in an uninsured motorist claim. 

We handle cases all over the State of Vermont – in Bennington, Burlington, Brattleboro, Rutland, Woodstock, St. Albans, Montpelier, Manchester, Springfield, the Northeast Kingdom and anywhere else where there is jurisdiction in the State of Vermont.  If you have a personal injury problem feel free to contact us.