The only thing worse than being involved in a car accident is discovering that the person responsible lacks the proper insurance coverage. However, there are a few options to help you pay for medical expenses, property damage, and other costs related to the accident.
Uninsured and Underinsured Motorist Coverage
If the liable party doesn't have insurance to cover your damages, you can make a claim against your own automobile insurance policy’s uninsured and underinsured motorist (UM/UIM) coverage. Nebraska's Uninsured and Underinsured Motorist Insurance Coverage Act, found at Neb. Rev. Stat. §§ 44-6401 – 44-6412, requires insurance companies to include a minimum of $25,000.00 / $50,000.00 in uninsured and underinsured motorist coverage for most vehicles insured within the state. Some drivers opt to carry policies with higher protection. Your agent can explain the details of your coverage.
Compensation from the Driver's Personal Assets
In some cases, you can file a personal claim against the liable individual. However, their assets may not cover the damage if you've suffered serious injuries. In addition, even if you manage to win a large judgment in court against such an individual, they can just file bankruptcy and erase it.