Hit by an uninsured driver? A study by the Insurance Research Council found that about 1 in 8 drivers don’t have auto insurance despite the legal requirements in almost all states that require every car to have liability car insurance in place/
So what are some of your options if you get hit by an insured driver? This guide will cover the dos and the don’ts soon after the accident and how you can obtain compensation should the unfortunate happen.
What to do soon after an accident with an uninsured motorist
What you do or fail to do soon after an accident can fundamentally determine your case’s outcome should you decide to pursue compensation or file a lawsuit.
The following are the steps to take soon after an accident with an uninsured motorist:
File a police report
The first thing to do after the accident is to inform the police. You will rely on the police reports and other pieces of evidence to prove who caused the accident. Don’t leave the scene of an accident before the police arrive unless you do so on medical grounds. Once the police arrive, they will interview you, the other drivers, and any available witnesses. They will also take photos and videos of the scenes and file a comprehensive report of the accident. You will rely on the police reports and other pieces of evidence to prove who caused the accident.
Seek medical care and evaluation
It is essential to seek medical care and evaluation soon after the accident, even when you are convinced you didn’t suffer any severe injuries. The pain and extent of the injuries suffered can be concealed by the rush of adrenaline and the shock following an accident. If not treated early, these injuries can trigger irreversible, life-threatening conditions. Besides, you will also need medical reports to support your compensation claims that meet your medical bills.
Contact your uninsured motorist coverage provider.
If you suffered injuries and property damage in an accident with an uninsured driver, you would need to contact your uninsured motorist coverage provider, assuming you have one. The insurance agent will tell you exactly what they need to process your claim and what to expect during the claim process.
Document the accident
It is critical to document an accident scene as soon as it happens. The documentation process includes the following:
Identification of officers- once the police arrive at the scene, ensure you get their details, including names and badge numbers.
Get a copy of the accident report- ensure the police officers give you a copy of the accident report. A police report is a crucial document when filing an insurance claim.
Take pictures and videos- it is essential to document the scene of the accident exhaustively by taking photos and videos of the vehicles from several angles. Ensure you capture the damage caused to your vehicle. While at it, take pictures of the other cars and driver’s licenses as well.
Takedown names- you should also take down the names and addresses of all parties involved, including the witnesses. If the other driver was carrying passengers, write down their details, such as their phone numbers and addresses. Likewise, take down the names and contact information of all witnesses.
Get in touch with a car accident attorney.
The legal process is quite complicated and pursuing claims on your own is not advisable. Therefore, it is crucial to work with an experienced and trustworthy insurance attorney to handle the intrigues of insurance compensation. A qualified attorney understands the ideal way to proceed with a case, and their advice will be invaluable when pursuing the claims