If you are reading this, then you were probably involved in a car accident with an excluded driver. You are wondering what to do next. The first thing you should do is contact an experienced Dallas area car accident attorney for a free consultation and go over all your options.
What is an “Excluded Driver?”
When a person gets insurance on their car, many times it is too expensive because someone in the household either has a bad driving record or is too young. Likewise, the only option is to exclude that person from the policy. That means if that person is operating the vehicle and is listed as an excluded driver, then the insurance company will not cover any claim if that person gets into a car accident.
Unfortunately, many people still let excluded drivers operate their car. It can be very frustrating if you have an accident with an excluded driver. After you wait for the insurance company to investigate the claim, you then get the bad news. Your claim gets denied because the other driver is excluded from the policy.
What options do I have?
You have a damaged car, medical bills, and may still be under the care of a doctor. What do you do now?
If you had uninsured motorist (UM) coverage on your policy, then use it. That would be the best option to get the compensation you deserve for your injuries and car damages. You can also get you car fixed or paid for.
If you did not have UM coverage, then your options are quite limited. You can sue the other driver, and maybe even sue the owner of the car. But it is highly unlikely that you are going to get any compensation.
That is why it is very important to carry UM coverage. You cannot always rely on other people to carry proper auto insurance.