Uninsured Motorist Accidents
Traffic accidents are incredibly stressful. Some crashes result in a driver suffering a severe auto injury.
Even a minor collision can result in emotional distress and costly property damage. No matter what the circumstances of your auto accident may be, it is important to seek legal guidance.
In most cases, you can pursue financial recovery for the losses that you suffered from the at-fault driver or their insurance company. However, car accident cases are not always so simple.
Collisions are even more nerve-racking when the person who caused the accident does not have auto insurance. If you have found yourself in this situation, you may be wondering whether you can hope to secure auto accident compensation.
It is crucial to understand your legal options after a motor vehicle accident. Speaking with a skilled accident attorney can help you determine the best course of action in your case.
Car Accident Cases with Uninsured Drivers
According to recent research, around 80% of U.S. drivers purchase comprehensive automobile insurance. This implies that there are many drivers on the road without sufficient insurance.
When these drivers have an accident, it can leave the other motorists feeling overwhelmed.
If you have been involved in an accident with an uninsured driver, take the same steps you would if the driver had insurance.
First, it is important to visit a doctor to guarantee that you have not sustained a traffic injury.
Not all injuries are immediately obvious to the victim. That is why you should seek a medical assessment, even if you feel fine. Some symptoms only appear in the days or weeks following an auto injury.
If your accident results in the need for medical treatment, you may be able to seek compensation for the associated costs. A medical care provider can make sure that you receive the treatments that you need.
Also, contact the police in the immediate aftermath of the traffic accident. The attending traffic officer will file a report detailing the facts of the collision.
When the other driver is uninsured, they may be hesitant to contact law enforcement. Still, you will need to ensure that an accident report is filed if you hope to secure a fair outcome.
Motorists who drive without insurance have chosen to risk the consequences of a collision. When they cause an auto accident or injury, they should be held accountable. Victims deserve compensation for their losses.
After calling for any necessary medical care, it is vital to gather evidence from the crash. This evidence will help to show that you were not responsible for the physical and financial damages that you sustained.
Some examples of relevant evidence include the following:
- Contact information for the at-fault driver
- Photos of vehicle damage
- Pictures of the surrounding road or intersections
- Eyewitness statements
- The contact information for eyewitnesses
- A record of any obstructions or road hazards
- Notes about your own experience of the crash
The more evidence you have regarding your auto accident or traffic injury, the better. A skilled accident attorney can use this evidence to help you pursue the financial recovery that you deserve.
Uninsured Motorist Coverage
After collecting evidence of your collision, you should report the crash to your own insurance provider. Some auto insurance policies include uninsured or underinsured motorist coverage.
If you have this type of coverage, your insurance provider should help you cover the losses that you sustained from the crash. This type of insurance coverage is not only relevant for uninsured drivers.
Sometimes, motorists carry too little insurance to cover the costs of the victim’s medical treatments, missed income, or property damage. When this happens, an underinsured motorist insurance policy can help make up the difference.
It is important to file your claim for auto accident compensation as soon as possible after a crash. Some victims procrastinate because of the immense frustration that often follows an accident that they did not cause.
When you’re speaking with your insurance adjuster, you should remember that they do not necessarily have your best interests in mind. Insurance companies maximize their profits by paying as little as possible for each traffic injury claim.
Contact a skilled auto accident lawyer who has the best chance of getting the money that you deserve.
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