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The uninsured driver clause in insurance policies protects people injured in auto accidents caused by uninsured drivers. State laws require drivers to carry minimum automobile accident liability policies with limits ranging from $3000 to $20,000 generally, for bodily injury or death to one person and additional amounts for the same to two or more persons in any one automobile accident. The minimum liability limit for property damage varies from state to state. Unfortunately, not everyone obeys laws and carries the required insurance which is why your auto insurance likely has coverage for uninsured and underinsured automobile accidents.
Due to the fact that drivers face the threat of being in an automobile accident with a person who has failed to obey this law, underwriters are required to provide in-state drivers with the same minimum amounts in uninsured driver coverage. Drivers can choose coverage with maximum limits. This uninsured coverage is used when the insured driver is not at fault for an automobile accident and is injured someone who leaves the scene like a hit-and-run driver or an underinsured or uninsured driver.
The automobile accident attorneys at your automobile accident attorney firm are experienced about all aspects of auto insurance law and will answer all of your questions after an in-state automobile accident. If a member of your family was killed by a drunk driver on a local state highway, you may wonder what legal options you may have.
Drunk drivers must at all times be held answerable for their actions, particularly when they cause an automobile accident causing injuries and or death of another driver, passengers, a bicyclist or a pedestrian. In your state, the following penalties are common and or similar to other states, after the first drunk driving conviction.
With a first drunk driving conviction, the convicted driver may be looking at jail of up to one year with an additional six months tacked on if there is a child sixteen years or younger in the vehicle, and fines plus additional fines if the blood alcohol content is above a certain amount or if there is a child in the motor vehicle.
The convicted driver may also be looking at a one year license suspension, an ignition interlock device being installed in the convicted driver's primary vehicle, a suspension of the convicted driver's vehicle registration and receiving community service for many hours plus additional penalties if a child was in the vehicle. Every state is different but all states have general similarities and to know what is legal in your state, ask an automobile accident attorney in your area. To discuss your options for seeking recovery, contact your automobile accident attorney firm, to speak with a knowledgeable in-state drunk driver automobile accident attorney.
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