Nobody expects to become involved in a car accident – however, sometimes the inevitable happens anyway. You’re driving down the highway when, all of a sudden, another car comes barreling into the side of your vehicle and sends you on a crash course. If you get away with little to no injuries, you should consider yourself lucky. However, what happens if you have been seriously injured when in an accident with another driver? To make matters worse, what if you have no insurance? Driving uninsured can cost you and inflict real penalties upon you. Now you can find out what happens when you are caught driving uninsured after an accident has occurred.
Driving Uninsured – Barred From PIP
In New Jersey, something exists known as “PIP” or Personal Injury Protection. This is known as no-fault coverage and is only available in no-fault states, such as New Jersey. Many states require that drivers cover PIP because it helps pay for your injuries no matter who was at fault. This means that, if you caused the accident, PIP will continue to cover you and your injuries. It is a wise idea to carry PIP due to the fact that it may cover what your health insurance chooses not to cover. It can help pay for things such as hospital and doctor’s bills, prescriptions, and rehabilitation services.
But, here’s what you should know – If you have been involved in an accident and it was determined that you were driving uninsured, you will be barred from being able to receive personal injury protection. You may say, “That’s no big deal” but what happens if you do not have sufficient health insurance? What if you have sustained life-altering injuries that have caused you to spend months in a hospital setting with months of treatment? Then PIP could benefit you. And if you are barred from receiving it, there may be no end in sight in regards to bills stemming from the accident.
Driving Uninsured – Barred From Pain and Suffering
Pain and suffering is another helpful monetary compensation that you can expect if you have been involved in an accident. Pain and suffering not only pays for physical injuries but also emotional injuries that take a toll on you daily after the accident has occurred.
However, just as with PIP, there is another catch – if you were driving uninsured, you will be penalized, and will not be able to collect pain and suffering damages. You may be able to sue for lost wages and medical bills, yes, but you will not be able to sue for pain and suffering. However, it should be noted that passengers are still eligible for collecting money for pain and suffering.
Uninsured Motorist Coverage
Let’s say that you’re on the other end of the spectrum and you have been involved in an accident with an uninsured motorist. This is why it is a good idea for all drivers to carry insurance known as Uninsured/underinsured motorist coverage. This coverage type allows you to receive compensation for medical bills when you have been involved in an accident with an uninsured motorist or one who does not have good protection. Seeing as there are many drivers on the road at any given time without insurance, it is always a good idea to invest in this insurance for your well being.
If you have been driving uninsured, it could cost you in many different ways. You could face possible jail time as well as have your license revoked if you are involved in an accident. Think about the penalties you could face if you drive uninsured, cause an accident, and the other driver becomes seriously injured. The best way to assure that you will receive compensation for your injuries is to always have car insurance. And remember – if you have been involved in a car accident, you can always call our law firm to receive help with all of your personal injury needs. Call Maggiano, DiGirolamo & Lizzi today for more information on what to do next.