A lot of car accidents happen daily, and while it’s never easy, it’s scarier to hear ‘I was hit by an uninsured driver.’ With an uninsured driver involved, the compensation and negotiation are different and may require more expertise and documentation. So, here are a few ways to handle an uninsured driver accident:
Calling the police:
When there’s an auto accident, whether no one has insurance or only one person has, it’s always essential to call the police to come to the scene. However, when dealing with an uninsured driver, it’s even more important as they may need to make a report for you to get compensation altogether.
Avoid accepting money:
Especially when there’s a driver without insurance, taking money from the insurance company, drivers, or family members could cause legal repercussions, which could attract fines. Even if it seems like a good deal, it’s safest not to accept any money.
Contacts and vehicles details of the people involved in the accident are important information that can help quicken the claims process. Witnesses can also provide information, as it’ll be beneficial if they’ll need the statements.
Images and videos of vehicles, license plates, traffic signs, potholes and scratches can come in handy. All these crucial details will be helpful, especially when there’s an uninsured driver at the scene.
Get a lawyer:
Suppose you’ve been involved in a car accident with an uninsured driver. In that case, a good auto accident lawyer familiar with the auto laws of where the accident happened is vital. The lawyer will help you:
- Get and review the necessary information such as your claim, the circumstances around the accident and the compensation attainable.
- Handle negotiations with the insurance company to fast-track necessary documentations.
- Support you throughout the process, reducing your stress while you rest and focus on other things.
Many uninsured drivers don’t have funds for compensation even if a claim is filed, so it’s best to have a lawyer who can handle the paperwork and even help investigate the accident properly.
Getting compensation after an Accident with an Uninsured Motorist
After an auto accident, many victims have a significant amount of medical bills to pay. Sometimes these accidents can cause severe medical issues like spinal cord injuries, broken bones, brain injuries, etc. These injuries can cause effects in the long run, such as unemployment, the need for rehabilitation and depending on others. These and more constitute the medical reasons why people get ask for compensation after an auto accident. Damage to your car, reasonable and necessary medical expenditures are covered by your collision and personal injury protection (PIP) coverage.
It’s necessary for all registered vehicles being used to be insured. However, this isn’t always the case. While it’s safest to avoid situations that may involve uninsured drivers, doing due diligence and ensuring you have adequate UIM (Uninsured/underinsured motorist coverage) is another way. This coverage provides its user with the opportunity to pay for damage caused by a hit-and-run or even an untraceable vehicle.