There are many reasons why people lack the car insurance they need to drive. Some people cannot afford it, or they may have lost their driving privileges, or they may be too young to obtain a license.
Still, regardless of the reason, if you get into a car accident and the other driver’s coverage is not enough to cover everything, then you can be left with thousands or tens of thousands of dollars in medical bills and car repair bills.
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However, regardless of whether you’re involved in an accident with an uninsured or underinsured party, you should follow the same steps as if they were at fault before figuring out where to find an uninsured motorist accident attorney.
7 Steps to Take After an Accident
Step 1: See if everyone is fine.
You should first check if you or your passengers have been injured.
Step 2: Dial 911.
Immediately file a police report if the other driver flees. The police will be able to collect evidence and investigate. In addition, they can issue a warrant for the arrest of the at-fault driver, who may face criminal charges for leaving the scene of an accident.
Step 3: Move to safety.
If you can, move your car out of the way of oncoming traffic. Sometimes, you can steer your car to the side of the road. If you can’t move your car, then at least get out of harm’s way by not standing near the collision.
Step 4: Talk to the other driver.
Get a general idea of the other driver’s insurance status by collecting as much information as possible from them, such as their name, address, phone number, vehicle registration number, and the insurance company.
Step 5: Document the accident.
After an accident, you might be able to take pictures of the scene, your vehicle, and any injuries of you or your passengers. Pictures will help corroborate your story.
Step 6: Notify your insurance company.
In most cases, if you have full coverage on your car and the at-fault driver does not have insurance, then their liability is covered by your insurer at 100% rather than being split.
Step 7: See a physician.
If you’ve been in any kind of accident, you should see a medical doctor right away. Since it is impossible to determine the extent of damage immediately, it is best to be safe even if you feel fine. Symptoms of an internal injury may not appear for weeks or months.
While it may not be possible to do things in this order, just try to work through as many of the most essential steps as you can.
Your Options For Compensation
If you have been in a car accident with an at-fault party without car insurance, you have two options for compensation. To sue an uninsured motorist, you need the services of an uninsured motorist accident attorney with experience handling these types of cases.
Make sure you have your uninsured motorist accident attorney by your side from the beginning because they will know if your situation calls for a claim that can be pursued through trial or one that can only be pursued through an insurance claim.
After carefully reviewing all the available information about the accident, your uninsured motorist accident attorney will be able to propose the best course of action and help you receive the compensation you deserve.
Remember to find an uninsured motorist accident attorney with experience in your specific case since not all lawyers are the same.