Many drivers make the mistake of not having insurance. This is regardless of the fact that almost every state in the United States—with the exception of New Hampshire—requires motorists to have auto insurance if they own a vehicle registered in their name. In the event of an uninsured driver collision, are you prepared?
The legal system works to make you whole again after an accident, but it can also work the other way around. Suppose a driver has no insurance or isn’t able to provide insurance. In that case, you might not be able to recover enough compensation to cover your expenses.
Following an accident with an uninsured motorist, it can be hard to believe that you’re still entitled to compensation. To discover how you can get it, continue reading for the valuable tips provided in this article.
What To Do If Your State Has No-Fault Law
For car accidents, several states have no-fault laws in place. This means that each motorist is responsible for their own medical expenses, which can be covered by personal injury protection or PIP insurance, regardless of who caused the collision.
However, what happens if your losses surpass the coverage limitations of your no-fault insurance in a major accident? If you’re injured in an accident in a state where there are no no-fault laws, what recourse do you have? Here are the possible options you can look into:
- Call For Help
After the accident, it’s essential to call the police immediately. The police report can help you with your insurance claims. Although the damage to your vehicle seems minor at first, you might be dealing with a bigger issue, such as a bent frame. And even if the other driver doesn’t ask you to call the cops, doing so could result in more injuries.
Also, you can dial 1-800-Injured to get in touch with a seasoned car accident attorney and, ultimately, gain access to a network of medical professionals who can attend to your needs. It’s a must for you to work with a skilled attorney who’ll fight for the compensation you deserve following an accident. Since many aren’t aware of how to get help, it’s advisable for you to keep this option in mind.
- Take Photos Of The Accident
Photos are significant to the people involved in an accident. They’ll provide you with the details you need to make a claim and recover compensation. In addition to taking photos of the vehicles, you should do the same for the accident site from various distances and angles.
As a precaution, be sure to take photos of skid marks and other road damage as well as damage to real and personal property like fences and mailboxes. Given that the defendant was in the accident with you, this evidence will allow your lawyer and the investigators to construct a clear picture of what took place.
- Gather Information And Get A Witness
Although you might not be able to remember everything that happens after an accident, it’s still important to keep track of as many incident details as possible. Take note of the make, model, color, and address of the other vehicle.
Also, you can get a lot of information about the accident from a witness. However, remember to act fast in order to get an accurate statement. Ask witnesses to thoroughly describe what they saw. This’ll help you become aware of certain things that you may not have noticed during and after the collision and might help you receive adequate compensation.
- Do Not Accept Any Monetary Compensation
The first offer of an insurance adjuster is often much less than your injuries are worth. Since they’re aware of the mounting financial pressures you’re facing, they’ll offer a modest sum hoping that you, the car accident victim, would take it.
If you agree to the low settlement, you forfeit your right to a reasonable worth of compensation. Before accepting the check, you must also agree not to claim extra damages. If you settle for a low amount, there’s nothing you can do about it afterward if it ends up barely covering your accident-related expenses.
Take note that insurance adjusters make lowball proposals for a purpose. They already know how much they can provide you even before they contact or visit you. An insurance adjuster will never make an initial offer in the medium or high range; they’ll always start low and work their way up.
- Seek Medical Attention
Before receiving any sort of medical attention, make sure that you allow the emergency medical personnel to check on you. This’ll help them determine if your injuries are minor or if you require hospitalization.
After the police releases you from the scene, visit a hospital. It’s usually a good idea to undergo a complete checkup to ensure that you don’t have serious injuries. Some injuries may not appear for a few hours or even a day after an accident, so if they’re discovered, you can file a claim for them.
If you’ve been injured in a car accident and the other motorist is uninsured or underinsured, a reliable attorney may be a life-changing resource. Follow the tips above so you can gather the necessary documents for your claim. The insurance company will want to see the bills for all the services provided to you following an accident.
Take advantage of the compensation you’re entitled to. Know your choices, your rights, and your worth so you can get back on your feet without a hassle.