What Are My Legal Options if I am Injured by an Uninsured Truck Driver?

Legally reviewed by:
Rubin, Glickman, Steinberg & Gifford P.C.
May 21, 2024
Truck driver

Being injured in a truck accident can be a life-altering event, especially when the driver at fault is uninsured. This situation presents a unique set of challenges and uncertainties. Simply put, if you are injured by an uninsured truck driver, you have several options to seek compensation for your injuries, damages, and losses. This can include tapping into your own insurance policies, exploring the possibility of a lawsuit against the driver or other liable parties, and investigating other sources of compensation.

At Rubin, Glickman, Steinberg & Gifford, P.C., we understand the complexities and frustrations that come with being involved in an accident with an uninsured driver. Our talented team is committed to guiding you through these difficult times by exploring all available legal avenues to secure the compensation you deserve. With a deep understanding of Pennsylvania’s legal landscape and a client-focused approach, we tailor our strategy to your specific situation, ensuring your rights are protected and your recovery is maximized.

Understanding Your Insurance Coverage

The first step after being hit by an uninsured truck driver is to examine your own insurance policy. Many drivers carry uninsured motorist (UM) and underinsured motorist (UIM) coverage as part of their auto insurance policies. UM coverage is designed to protect you if you are in an accident with an at-fault driver who lacks insurance, while UIM coverage kicks in when the at-fault driver’s insurance is insufficient to cover your damages. It is important to review your policy to understand the extent of your coverage and how it can be applied to your situation.

In addition to UM and UIM coverage, your policy may include personal injury protection (PIP) or medical payments coverage, which can provide immediate funds for medical expenses regardless of who is at fault. Utilizing these coverages can provide a crucial financial lifeline as you navigate the aftermath of an accident with an uninsured driver. However, navigating the claims process and understanding the nuances of your policy can be complex, highlighting the importance of seeking legal guidance to ensure your interests are fully represented.

Filing a claim under your own insurance policy is often the quickest way to secure compensation after an accident. However, the process can be fraught with challenges, including disputes over the value of your claim or coverage denials. Knowledgeable legal representation can be invaluable in these situations, ensuring that your claim is properly presented and that you receive the full benefits you are entitled to under your policy. 

Exploring Legal Action Against the Uninsured Driver

While pursuing compensation through your own insurance may be the first course of action, it is not always sufficient to cover the full extent of your losses. In such cases, legal action against the uninsured driver may be a viable option. Although the prospect of suing an uninsured driver may seem daunting or potentially fruitless, it is important to explore all avenues for recovery. The driver may have assets that can be used to satisfy a judgment, or there may be other parties (such as employers, if the driver was working at the time) who hold liability.

Taking legal action requires a thorough investigation into the circumstances of the accident and the financial status of the uninsured driver. This is where the skills and resources of a seasoned legal team become indispensable. By conducting a detailed analysis and leveraging their knowledge, your legal team can identify the most effective strategies for pursuing compensation, even in challenging cases involving uninsured drivers.

In some instances, alternative sources of compensation may be uncovered during the legal process. For example, if a defect in the truck contributed to the accident, the manufacturer might be held liable. Similarly, if the driver was performing work-related duties at the time of the accident, their employer could potentially bear responsibility. Navigating these complex legal landscapes requires the insight and diligence of knowledgeable legal professionals who can uncover and pursue all possible avenues for compensation.

Why Choose Rubin, Glickman, Steinberg & Gifford, P.C.?

Choosing Rubin, Glickman, Steinberg & Gifford, P.C., means partnering with a law firm that brings over 270 years of combined experience to your case. Our talented attorneys are dedicated to providing personalized, attentive service to each client, ensuring your legal rights are vigorously defended throughout the process. We pride ourselves on our ability to navigate the complexities of personal injury law, offering a compassionate approach while aggressively pursuing the best possible outcomes for our clients.

By working with our firm, you gain access to a team that is not only skilled in legal strategy but also deeply committed to your well-being and recovery. We understand the challenges you are facing and are here to provide the support and representation you need to secure the compensation you deserve. If you have been injured by an uninsured truck driver, do not navigate this difficult time alone. Call us today at (215) 822-7575 or visit our contact form to learn how we can help you on your path toward recovery.

Legally reviewed by:
Rubin, Glickman, Steinberg & Gifford P.C.
Pennsylvania Attorney's
May 21, 2024
Established in 1952 by Irwin S. Rubin, Rubin, Glickman, Steinberg & Gifford P.C. boasts over 65 years of experience serving clients throughout Pennsylvania. Renowned for its commitment to ethical representation, the firm has garnered prestigious accolades, including being named the "Best Law Firm" for its outstanding legal defense work by U.S. News & World Report. Their team of seasoned attorneys, recognized as Pennsylvania Super Lawyers and Rising Stars, brings unparalleled expertise to a wide range of legal matters, ensuring exceptional representation for individuals, families, businesses, and organizations.