I was in a truck accident that was not my fault. Can I file a claim with the trucker and trucking company’s insurance company if I didn’t have auto insurance?

You could suffer devastating injuries in a truck accident caused by a negligent trucker. However, you may be worried about your right to file a claim with the truck driver’s and trucking company’s insurance company if you are uninsured. Fortunately, you still have a right to compensation for your injuries from them, whether or not you are insured.

What Are Your Options for Recovering Compensation?

Virginia is a fault state. This means that you must prove that the truck driver and trucking company were negligent in causing your truck collision to have a right to damages from them. Assuming that you can prove this, the fact that you did not have auto insurance at the time of your crash should not impact your right to seek the compensation you deserve. You have two ways to accomplish this:

• File a claim. Your first step would be to file a claim with their insurance company and negotiate a settlement with them. It is best to hire a skilled truck accident lawyer to file your claim and negotiate your settlement so you are not taken advantage of by the insurance adjuster and receive all the compensation you deserve under Virginia law.
• File a lawsuit. If the insurance company refuses to offer you a fair settlement or the statute of limitations to file your lawsuit will expire soon, you will need to file a civil complaint and litigate your claim. You will need an attorney licensed to practice law in Virginia to file your lawsuit for you.

If you had insurance, you might be able to file a claim with your own insurance company under collision, uninsured, or underinsured coverage if you did not receive a full recovery from the insurance company for the trucker and trucking company. Unfortunately, this would not be an option if you were uninsured.

Were you injured in a truck crash that was not your fault in the Virginia Beach or Norfolk areas? Was your car uninsured? Our experienced truck accident lawyers are here to collect the evidence you need to win your case and fight for your right to damages for your injuries. Schedule a free consultation to learn more about how we can assist you by calling our Norfolk office at 877-960-3441 or filling out our convenient online form.