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What is the Sudden Medical Emergency defense used by insurance companies?

Car accidents are never a pleasant experience, but when you’re involved in an accident with another party who turns out to be either underinsured or uninsured entirely, you can quickly find a new level of frustration and uncertainty in the situation. What happens if the person responsible for the accident has no insurance? Do you still have options to seek compensation to pay for your damages? In the aftermath of a wreck, these are important questions.