Uninsured Accident Claims

Anyone who drives a vehicle within the Greater Toronto Area and Canada as a whole, of course, is required to have insurance. It is a criminal offense to own a motor vehicle without insurance or to drive an uninsured vehicle on the roads. Most people purchase motor insurance for their vehicle but there are others who drive uninsured vehicles which increase the insurance premiums for everyone else. These uninsured vehicles are usually involved in far more accidents than insured ones which cause problems for not only their drivers but other people as well. Unfortunately, the number of uninsured vehicles has risen over the last few years and continues to do so.

This is more than likely in today’s economic climate. If you have become injured as a result of a car accident but the other driver is uninsured then you can make a claim for compensation. But it will be more complex and time-consuming than making a claim against another person’s insurance company. Contrary to popular opinion you can make a claim for compensation against an uninsured driver but expect it to be more complicated.

THE NEGATIVE CONSEQUENCES OF AN UNINSURED ACCIDENT

The consequences of a road accident can be traumatic for both the person concerned and their family. If the accident was caused by negligence on the part of someone else then this is bad enough but, it is even worse if that person is not insured.

Many people assume that they are unable to make a claim if the other driver is not insured but thankfully, that is not the case. You can pursue a claim for compensation but be prepared for the fact that it takes longer and is more complicated than the normal procedure.

This only adds to the stress you and your family are experiencing as a result of your accident.

There is the physical injury or injuries to deal which can mean a lengthy period of rehabilitation. This rehabilitation may include you having to take sick leave from work which means a loss of earnings and possibly pension rights as well.

Plus there may be additional expenses such as rehabilitation services, e.g. physiotherapy; medication on a regular basis; nursing care and support; specialist equipment or aids; and taxi fares/car parking charges to hospital e.g. outpatient treatment. 

All of these cost time and money which puts a financial strain on your income and standard of living. This is where compensation can help. It can reimburse you for the cost of your injury and additional expenses incurred as a result of your accident.