A car accident is a stressful situation and can happen to any of us when we least expect it.
But if you are involved in an accident with an uninsured driver, it’s even worse. Unfortunately, some people don’t have car insurance even though it’s the law in most states.
Car accidents can result in costly medical bills, and the expenses can add up fast. When the other driver has no insurance, you could be left to pay those expenses yourself.
The better news is if you are involved in an accident with an uninsured driver, you do have options. Let’s take a look.
If you are able, you should call the police immediately following a car accident. This will ensure any victims of the crash receive prompt attention if there are any injuries.
This also begins the documentation process that can be critical for insurance or legal claims in the future. The policeman on the scene is trained to know what to do depending on the severity of the collision and the injuries sustained.
You should not try to move your vehicle after an accident. Let the police handle that. Don’t feel pressured by other drivers to move your car even if traffic is backed up.
The police need to see what happened and document the exact location and condition of the vehicles involved. They will assess the scene and fill out a report.
Insurance companies use these police reports to evaluate the damages for compensation.
Calling the police after a car accident is also necessary for the uninsured driver. This can protect them from being blamed or sued for something they weren’t responsible for.
A police report serves as proof and prevents claims of false damages.
Once the police report is completed, you should ask for the contact information of the other driver. Be sure to ask about their insurance details, too.
If the other driver involved doesn’t have any insurance, you still need to get their contact information. Before releasing uninsured motorist compensation, some insurance companies will ask for a statement signed by the uninsured motorist confirming they have no insurance.
If you have uninsured motorist insurance, your medical and property damages may be covered up to your plan’s limits. And underinsured motorist coverage, which is different from uninsured motorist coverage, bridges the gap and covers expenses when the other driver has only minimal coverage.
In this case, the other driver’s insurance pays and then your insurance kicks in to pay the remainder of your medical and property expenses up to your coverage limit.
All parties involved in a car accident should exchange names, phone numbers, email addresses, and insurance carriers. You can provide this information to your insurance carrier.
If you are able, it’s a good idea to document the scene of the accident. Taking pictures is always a smart move.
Although the police will write an accident report and may take pictures, it’s a good idea to document the scene yourself and write down relevant information while it’s fresh in your mind. You could need it later if your claim is disputed or your case goes to court.
Try to get a picture of the location, the cars involved, the other driver, and the other car’s license plate. Take note of the model, make, and color of the other car involved.
Specifics of what actually happened can be helpful for insurance companies and attorneys. Noting when and where the crash took place can be helpful if security footage is requested down the road.
Look for witnesses and get their contact information as well. Having someone to back up your story could be helpful to you if needed.
Even if only two vehicles are involved in a car accident, it is possible others could have some responsibility for what happened. And they could be held responsible for damages.
For instance, if there was a problem with the car such as a faulty part, the manufacturer could be held responsible. A mechanic, employer, or even the car owner could be found liable for the accident.
This is another reason you want to make sure you have documented everything you can. If the other vehicle appears to be a work truck, be sure to get the contact details of that business or employer.
Uninsured motorist insurance requirements vary from state to state. California requires all drivers to carry a minimal amount of insurance that protects other drivers.
And Californians must show proof of this annually when they register their vehicle.
Laws also vary from state to state regarding how many days an adjuster has to respond to your claim. Other deadlines may vary as well.
If you have a complicated case or you feel you are not receiving adequate compensation or treatment, it’s wise to hire a car accident lawyer in san diego.
You want to consult a lawyer who has experience handling cases involving uninsured motorists. It’s important to understand your options.
These cases can be quite complicated, so you want someone knowledgeable in this area of law.
Insurance companies will want to pay as little as possible. They could even obtain a lawyer for the uninsured driver to keep from paying out hefty damages to you.
You need someone to represent and protect your best interests.
When there are multiple parties or drivers involved in a car accident, the case can become confusing to try to handle by yourself. A lawyer can help you understand your rights and all your options.
If your case can’t be settled out of court, they can guide you through the legal process and keep your best interests in mind during a trial.
If you have been in a car accident with an uninsured driver, you probably have lots of questions. At Mova Law Group, we will be happy to answer those questions and help you obtain the compensation you deserve. Contact us today. We’re your #1 choice for Personal Injury Attorneys in San Diego.