Your Guide to Debt and BankruptcyYour Guide to Debt and Bankruptcy

About Me

Your Guide to Debt and Bankruptcy

About 10 years ago, I secured my dream job with one of the largest corporations in the country. The job came with a substantial increase in pay and I soon looked for a large house for my family. After living the life I dreamed of, I was let go from my current position. I had a large amount of savings, but the economy took a turn for the worse and savings were quickly drained. I soon became stressed about finances. I could not pay the mortgage and bill collectors started to call my house. I refused to be defeated though, so I met with a bankruptcy attorney instead. I live a much simpler life now with my family, and I want you to know that financial stress does not have to affect you for years. Read my blog to learn about bankruptcy, debt laws, and how to hire an attorney.

The Other Motorist Involved In Your Accident Might Not Even Hold A License

Despite potentially facing serious legal consequences, some motorists choose to drive without a license. If you are struck by a motorist who doesn't have a license, the driver might even be underage. You might wonder how this can affect your car accident case.

Unlicensed Drivers and Auto Insurance

Normally, after a car accident, you will seek compensation from the motorist's insurance provider. However, an unlicensed driver will probably not have car insurance because a driver's license is required to obtain auto insurance. Alternatively, by driving without a license, the driver's insurance might be invalidated. This can complicate the process of seeking compensation because the unlicensed driver may also not have a lot of assets that you could collect as compensation for the damage you have suffered. 

If you have uninsured motorist coverage, you will be able to file a claim under this policy. Make sure that you have this policy because it is not mandatory. Also, you'll want to make sure that your insurance policy is stacking and not non-stacking. If the insurance is non-stacking, it will only cover you if the insurance limit of the other driver is lower than the total cost of your injuries. Under these circumstances, you will only receive compensation if you work closely with an auto accident attorney to sue the negligent motorist.

Drivers Who Don't Have a License

There are several types of drivers who don't have a license. Some are underage and might be taking a car for a joyride. Others might have had their license suspended or revoked. Those who are in the United States illegally might choose to drive without a valid license. Regardless of the reason, driving without a valid license is a crime. 

Even if the driver does not have a license or insurance, you should still take the usual steps that should be taken after an accident. Contact the police and emergency services and wait for them to arrive. 

Those who drive without a license are much more likely to be involved in an accident. Those who have suspended licenses are more likely to drive in a reckless manner that can lead to an accident. Drivers who have never obtained a license in the first place will have never gone the training and education necessary to obtain a driver's license. Therefore, your auto accident attorney will make it clear that the lack of proper licensing is a sign that the other motorist was at fault.

To learn more, contact an auto accident attorney.