Welcome news this morning as I was reading the Turn to 10 webpage. It appears that RI Lawmakers have put in place mechanisms to check and ensure that Rhode Island drivers have active automobile insurance coverage. Failure to maintain active auto insurance can result in suspension of your driver’s license. A link to the story can be found here.
This is certainly welcome news since 1 in 5 vehicles on the road in Rhode Island is currently uninsured. Every week I have to give the extremely upsetting news to a car accident client that the at fault driver did not have auto insurance at the time of the accident. That means that despite thousands of dollars in vehicle damage and serious bodily injury, the at fault driver will not be able to compensate the victim. Luckily, on many occasions my clients have uninsured motorist coverage on their policy and they are able to receive compensation through their own insurance company. Many clients, however, do not have this coverage and are out of luck.
Theoretically, you can sue the at fault driver for damages with or without insurance. Unfortunately, this is a time consuming and complex process. There are also quite a few costs associated with a lawsuit. Drivers who do not possess auto insurance on their vehicle are also very unlikely to have any money or assets since a person of wealth would never risk driving their vehicle without insurance. So, you have a time consuming and complex lawsuit against a defendant with no money. That is why a personal injury attorney is unlikely to help you if there is no insurance.