One of the most inconvenient predicaments that a car accident victim can envision is getting into a car accident and learning the other driver was not licensed. These incidents occur frequently, and many presume that people driving without a license wouldn’t influence their pursuit of compensation. However, this isn’t the case. Seeking compensation for an accident with an unlicensed driver can be tricky. If your collision involved an unlicensed driver, understanding your options is crucial.
The best approach to guarantee that you receive compensation that sufficiently compensates you for your losses may be to have a Boston personal injury attorney represent you. Sweeney Merrigan Personal Injury Lawyers may have the skills to obtain the compensation you need for all your losses after a car accident, even when the other driver doesn’t have a license. Use our contact form or call 617-391-9001 to get in touch with us.
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Contact Sweeney Merrigan Personal Injury Lawyers to learn more about your options in any of these unlicensed driver scenarios, as well as others. In both personal injury cases and negotiations with insurance companies, our firm puts up a lot of effort on behalf of accident victims to ensure that they receive compensation that adequately covers their damages. With the knowledge of insurance companies they have gained through years of practice, our attorneys fight tenaciously.
For instance, Attorney Matthieu J. Parenteau was recognized as a Massachusetts “Super Lawyer” for 2021 after recovering millions of dollars on behalf of multiple clients. His professional career has been devoted to helping those who have been harmed by someone else’s negligence, and he has represented both individuals and families in many personal injury cases.
When an unlicensed driver causes an accident, what happens afterward will depend on the scenario that led to the driver being behind the wheel. Different scenarios will have different legal options attached to them and avenues for recourse. Being fully aware of your situation could help determine which next steps to take to pursue compensation.
One potential scenario is when the other car is borrowed by an unlicensed driver with the owner’s permission. A frequent occurrence is someone driving unlicensed with a car borrowed from a friend or family member.
Usually, insurance follows the car and not the driver. Suppose the unlicensed driver who caused the accident was operating another person’s insured car with consent. In that case, that policy should cover the injured party’s damages, even if they did not possess a valid driver’s license.
In cases where the vehicle was stolen or operated without permission, the vehicle’s insurance will decline to pay for any resulting claims. In these situations, the lack of consent from the car’s owner would void coverage, preventing any connected insurance policy from covering losses.
The injured party would likely benefit from pursuing compensation for damages under their own insurer’s underinsured or uninsured motorist (UM/UIM) policy or by bringing a civil lawsuit in these circumstances. However, if the at-fault driver has a secondary insurance policy on a different vehicle, you might seek compensation from that policy instead.
Many insurance contracts are constructed to exclude coverage in situations where the driver’s license was invalid in the first place or suspended, resulting in a lapse in coverage. The injured party may then need to file a personal injury lawsuit and pursue damages through their own insurance coverage.
When the vehicle is uninsured, the injured party’s uninsured or underinsured motorist policy would make it possible to recover damages. This coverage shields a policyholder from footing the bill for accidents with uninsured or underinsured motorists. It allows them to submit a first-party insurance claim to cover any costs and damages over and beyond what may be recovered from the at-fault driver in a civil suit.
After a car accident caused by the negligence of an unlicensed motorist, those facing financial and medical concerns may struggle to solve how to recover damages. The insurance company may be turning you down, but you have other options. You shouldn’t be responsible for the costs of someone else’s negligence, so reach out to a firm with experienced Boston car accident lawyers.
At Sweeney Merrigan Personal Injury Lawyers, we put up an unwavering effort to pursue every possible source of monetary compensation to satisfy your compensation requirements. We have been assisting those who have suffered injuries in car accidents for more than 45 years. We may be able to handle every aspect of your case, from settlement negotiations to civil court, while you concentrate on recovering from your injuries. To arrange a free consultation with a member of our staff, contact us at 617-391-9001 or through our contact form.