Yes. In cases where the negligent party involved in the auto accident doesn’t have insurance coverage, the only way for the injured party to recover is through uninsured/underinsured coverage or to sue the negligent driver personally.
Suing the negligent party personally often is unsuccessful. With uninsured/underinsured coverage, your insurance company will stand in place of the negligent party and pay for your damages resulting from the accident.
If you have questions about a car accident, call the Gertler Law Firm at (504) 581-6411 for a free consultation.