blogImportant Steps to Take If You Are Hit by an Uninsured Motorist

June 28, 20230

Car accidents can be stressful and overwhelming experiences. But what if you find yourself in a collision with an uninsured motorist? Dealing with the aftermath of an accident is already challenging, but the situation becomes even more complicated when the other driver lacks insurance coverage. However, there are important steps you can take to protect yourself and navigate through the process smoothly. In this guide, we’ll outline the necessary actions to take to help you handle the situation.

Stay Calm and Assess the Situation

First and foremost, it’s essential to stay calm and composed after the accident. Take a moment to assess yourself for any injuries. If you are able to move, check on the wellbeing of any passengers and the occupants of the other vehicle involved. Safety should always be the top priority.

Seek Medical Attention

Even if you believe that you are not injured or that your injuries are minor, it’s essential to seek medical attention following an accident. Some injuries may not manifest immediately, and could worsen over time if left untreated. A medical professional can assess your condition, provide necessary treatment, and document your injuries. This documentation will serve as crucial evidence when seeking compensation for your medical expenses.

Contact Law Enforcement

Next, contact the local authorities and report the accident. Even if the other driver does not have insurance or is underinsured, it’s essential to have an official report of the incident. When the police arrive on the scene, provide them with accurate details about what happened. Remember to obtain a copy of the police report, since this will be valuable during the claims process.

Document the Scene and Gather Evidence

While you are waiting for the police to arrive, document the accident scene if you can. It’s important to gather as much evidence as possible. Take photos of the damage to your vehicle and the other vehicle(s) involved, along with the surrounding area. This evidence will support your claim and provide a clear picture of the incident.

Gather Information from the Other Driver

If you have been hit by a driver who is not insured, getting their personal information becomes even more essential. Collect their full name, contact details, driver’s license number and license plate number. Take down the make, model, and color of their car. This information will be vital when filing a claim or seeking legal action.

Gather Witness Statements

If anybody witnessed the accident, try to obtain their information too. Witness statements can provide valuable third-party testimony that supports your side of the story and will help to support your claim. Their accounts may be essential if the uninsured motorist disputes liability or if you need to pursue legal action.

Notify Your Insurance Company

Regardless of the insurance status of the other driver, it’s essential to inform your insurance company about the accident as soon as possible. Provide them with all the details you have gathered, including information about the other driver, the police report, and any witness statements.

Review Your Insurance Policy

Now is the time to review your own insurance policy to understand the coverage you have in the event of an accident with an uninsured motorist. Familiarize yourself with the terms and conditions, including any applicable deductibles and limits. Being aware of your policy’s coverage will help you make informed decisions regarding the claims process.

Consider Uninsured Motorist Coverage

Check to see if you have uninsured motorist (UM) coverage as part of your policy. If you do, this will protect you in the event of an accident with an uninsured driver. If you don’t have it, it’s worth adding it to your policy to protect you in any future incidents. UM coverage can help you pay for medical expenses, vehicle repairs, and other damages caused by the uninsured driver. Check with your insurance company to see if you have this coverage, and how it applies to your current situation.

Explore Other Avenues for Compensation

While the uninsured driver may not have insurance coverage, it’s worth being aware that there might be alternative sources of compensation. For example, if the driver was uninsured but operating a vehicle for their employer at the time of the accident, you may be able to pursue a claim against the employer’s insurance policy. Additionally, if you were injured in the accident, you may be able to pursue a personal injury claim.

Keep Detailed Records

Throughout the entire process, it’s crucial to keep detailed records of all communication, expenses, and documents related to the accident. This includes medical bills, repair estimates, receipts for any out-of-pocket expenses, and correspondence with insurance companies. Maintaining organized records will help you stay organized and provide a clear picture of the damages you have incurred.

Cooperate with Your Insurance Company

Cooperating with your insurance company is crucial when it comes to a smooth claims process. Provide your insurer with all the requested information promptly and accurately. Keep in mind that while they are your insurance provider, their ultimate goal is to minimize their own financial liability. Therefore, it’s always worth consulting with your attorney or another trusted advisor who can review any settlement offers and ensure that you are being treated fairly.

How We Can Help

In many cases, it’s worth consulting with an attorney who specializes in car accident or personal injury claims. At Payam Law, we can provide legal advice, help protect your rights, and help you navigate the often-complex legal process. We understand how frustrating it can be to be involved in an accident with an uninsured driver, and that’s why we work hard to ensure that our clients get the best outcomes.

With us by your side, you can focus on rebuilding your life after the accident as we assess your case, review your insurance policy, negotiate on your behalf, and guide you on the best course of action to take. Contact us today to find out more about how we can help: