Car accidents can be terrifying. A normal commute to work can become the source of serious pain, fear, and financial distress when it is interrupted by a crash. Insult is added to injury, though, when it is revealed that the other driver was not insured at the time of the collision. While most states forbid drivers from operating vehicles without insurance, getting hit by an uninsured motorist is all too common. Even if you’re a driver who follows the rules of the road, you can still fall victim to someone else’s carelessness. In this situation, speaking with a lawyer can help you navigate the car accident settlement process.
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What To Do If an Uninsured Driver Hits You
If you’ve been hit by an uninsured motorist, there are a few steps you can take to ensure the best possible outcome. Like with any car accident, begin by calling the police. No matter how small the incident might have been, phoning the authorities is a good way to ensure your accident is taken seriously. This is especially true when dealing with an uninsured motorist. A police report can help you get your costs covered while making the claims process a little easier.
Many uninsured drivers are eager to offer accident victims cash in exchange for not calling the police. After all, they face serious fines and fees for not obeying the law. After being hit by an uninsured motorist, it may be tempting to accept their offer. At the scene of an accident, though, you have no idea the amount of damage that has been done. Injuries could appear hours and even days after the wreck, leading to expensive medical bills. Even when the offer of cash seems to be better than nothing, hold off on accepting any money from the uninsured driver.
Before leaving the scene of an accident, it’s important to exchange information with the other motorists involved. Even if the driver does not have insurance, you’ll want to collect their name, phone number, address, driver’s license information, and license plate number. If any witnesses saw the accident occur, be sure to collect their contact information, too. Their statement could be invaluable when going through the claims process.
Making an Insurance Claim For Uninsured Driver
Consider also snapping a few pictures or videos of the accident scene before departing. Take shots of damage done to the car as well as any injuries you might have sustained. Photos of the traffic light, road signs, and flow of traffic can also help your insurance company understand how the incident occurred.
Most places require drivers to possess uninsured motorist coverage as part of their auto insurance policy. This helps to offset the financial damage done after you’ve been hit by an uninsured motorist. Filing a claim with your insurance company is the best way to recoup the costs associated with your crash. Your insurer will step in to provide compensation for your medical bills, car repairs and other related costs.
Don’t have uninsured motorist coverage? Another option is to file a car accident lawsuit and take the at-fault driver to court. You can sue for the expenses incurred because of their negligence behind the wheel. Unfortunately, though, many uninsured motorists do not have many assets, so even if a judge rules in your favor, recovering money that’s been awarded to you may be an uphill battle.
Uninsured Motorists Accident Attorney
The lesson? Purchase uninsured motorist coverage before you need it. Most companies offer this kind of addition to your policy for fairly affordable rates. Should you find yourself hit by an uninsured motorist, you’ll be glad to be covered. Contact Lawsuit Info Center for help handling an uninsured motorist claim.