It sounds like something out of a movie, but what happened December 16 was definitely (and sadly) real life for Ben Rose.
As Ben sat in his Irving, Texas, apartment playing Xbox, a Hyundai Sonata plowed through the wall of his living room, hitting him in his chair and injuring him severely. He now has fractured vertebra and a torn Achilles tendon.
According to the police, the driver in question was intending to back out of her parking space but accidently hit the gas instead of the brakes, causing her to drive forward into Rose’s apartment.
Though it may seem like an innocent enough mistake, it wasn’t something Ben could just brush off. Because the driver was uninsured, he’s now on the hook for tens of thousands of dollars in apartment repairs, property replacement and, of course, medical bills. And none of it is his fault.
How to Pay for Damages by an Uninsured Driver
You can have uninsured motorist coverage on your car, but home and rental insurance policies simply don’t offer this kind of coverage. Having a driver plow into your apartment mid-video game is pretty rare to say the least.
Sadly, that means Ben can’t just go to his insurance company and ask them to cover the costs. Despite the broken-down walls, the destroyed furniture and the ruined floors, Ben gets no help from the driver or an insurance company on this one.
Fortunately, there is one other option people in Ben’s place can take, and that’s to hire a local personal injury lawyer. A personal injury lawyer could help Ben file a lawsuit against the uninsured driver and force her to come up with the funds for his ruined property, medical bills and more.
A lawsuit may even be able to offer extra compensation for things like pain and suffering (or lost income or wages that he may have incurred along the way, if Ben was forced to miss work because of his injuries). Depending on the judge, the driver may also be forced to pay punitive damages in order to penalize her. These go above and beyond what a victim is already owed and are simply meant to act as a deterrent.
Another option, which Ben has already jumped full-force into, is to fund-raise. Ben recently set up a Go Fund Me campaign online to raise funds for his repairs and medical bills. Currently the campaign has raised nearly $13,000 dollars in just 9 days. The page has been shared more than 1,100 times on social media.
Though Ben’s situation may be unique, run-ins with uninsured drivers aren’t uncommon at all. In fact, more than 13 percent of our country’s drivers are completely uninsured. Throw in the fact that many drivers only carry the minimum – which rarely covers the full costs of a wreck’s damages or injuries – and we’ve got a serious, nationwide problem on our hands.
Take steps to protect yourself by getting uninsured and under-insured motorist coverage on your car insurance policy now. This will protect you in the event you’re hit by an uninsured driver. Without this coverage, you’ll be left covering the costs of the wreck all on your own – even if it wasn’t your fault.
Hit By an Uninsured Driver?
If you or someone you love is ever hit, hurt or otherwise affected by an uninsured driver, don’t just bite the bullet and cough up the cash. Contact a personal injury lawyer at Franklin Law Firm in Dallas immediately. Our expert car accident attorneys can help you fight for the compensation you deserve every step of the way. Call us now to discuss your case or get started.