If you get hit by an uninsured driver, it's essential that you remain calm. We are here to walk you through the important steps to take.
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The cost of car insurance rates in the U.S. is expensive, at least compared to the rest of the world. The central reason behind those high premiums is the high risk of accidents, given the large pool of drivers on the roads of the US.
Still, there are some Americans who drive without car insurance coverage for one reason or another. These drivers are referred to as uninsured motorists.
If you end up in a car accident with a driver that is driving without insurance, you're likely to face financial aftershock from the incident. But what options do you have in this situation, and what should you do to get back on your feet after a crash with an uninsured driver?
We'll cover these options and more below, so keep reading!
Determine Who Is at Fault
When involved in an accident with an uninsured driver, the first step is to determine who is at fault. To do this, exchange information with the other driver and gather evidence from the scene.
Call the Police Right Away
When you are involved in a car accident by an uninsured driver. Call the police right away. It is important to stay at the scene and to provide all relevant information to law enforcement.
Make sure to document any information that you can about the other driver. This includes names, addresses, driver's license numbers, license plate numbers, and the make/model of the car. Do not admit any fault to law enforcement.
Get the Contact Information of Any Witnesses
After a car accident with an uninsured driver, the first thing you should do is remain calm. Insurance companies can cover all the parties and potential damages.
It is important to get the contact information of any witnesses. They could be a key part of the investigation, should you decide to move forward with litigation.
Do not leave the scene of the accident, attempt to discuss fault, or apologize. You should also get the contact information and insurance details of the other driver.
Take as Many Photos of the Accident Scene and Damages
After the incident, the importance of taking photos of the accident scene and damages is paramount. Photos will serve as proof of what happened in case you need to present evidence to the police, or if legal action is taken later on.
Taking photos of the damages to both cars will help provide an accurate understanding of the incident. If the uninsured driver is at fault, having detailed photos will provide a clear picture of the incident, and any damages, and can help protect your rights.
Seek Medical Attention Immediately
After an accident with an uninsured driver, it is important to seek immediate medical attention if you think you have been injured in any way. It is recommended to seek medical attention from a licensed healthcare provider. They can perform a comprehensive medical evaluation and provide any necessary medical care.
If you can't seek medical attention, then you should get a medical release form from the other driver. This will help to release them from any liability for your medical expenses.
File a Lawsuit Against the Uninsured Driver
The amount of time that passes between an accident and medical care can be a critical factor in securing a lawsuit against the driver. You should file a car accident lawsuit against the uninsured driver. Proper representation is key to winning a case against an uninsured driver.
Depending on the state you live in, you may be able to bring a lawsuit against the uninsured driver. Hiring a lawyer is important before you file a lawsuit to ensure a fair outcome.
A lawyer can investigate the situation and help represent you through the process. Furthermore, a lawyer can ensure you are getting the compensation you are entitled to.
No one expects to be in an accident with an uninsured driver, but if it happens, it is important to take the necessary steps. Contacting a lawyer, and your insurance company can go a long way in maximizing results and acting in your best interests.
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Contact Your Insurance Company
Once the police have taken their report and you have relaxed, contact your insurance company. Let them know what happened and that the other driver was uninsured. Your insurance company can tell you the proper steps you can take to seek payment for your damages.
Trying to negotiate with the uninsured driver without going through insurance companies can be difficult and tricky. It is always best to rely on insurance companies to process the claim and check the damages. Take detailed notes of the accident so that you have enough evidence when talking to the insurance companies.
Explore Other Options for Reimbursement
If you have been in an accident involving an uninsured driver, there are a few steps you can take. This will help ensure that you do not suffer from any financial hardship due to the accident. Depending on the circumstances, you may be factored in if the at-fault driver's insurance does not cover losses.
The next step is to contact your insurer as soon as possible and provide them with details of the accident and any pertinent medical records. Seek legal advice to explore other options for reimbursement.
It may be possible to get financial help from certain charitable organizations or even your state's Uninsured Motorists Fund. Also, consider pursuing a lawsuit against the driver. While this may be a lengthy process, it can help you recuperate any damages.
Learning What to Do After an Accident With an Uninsured Driver
In the event of an accident with an uninsured driver, it is important to remain calm and to focus on the safety of yourself and all parties involved. Immediately contact law enforcement and your insurance provider for help and guidance.
If needed, an attorney can also provide further guidance and navigate the process for a satisfactory outcome. Don't become a victim of an uninsured driver, be proactive and get the help you need.
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