Personal Injury Car Accident No Insurance

Dealing with a Personal Injury Car Accident Without Insurance

Car accidents are one of the leading causes of personal injury in the United States. According to the National Highway Traffic Safety Administration (NHTSA), there were an estimated 6.3 million non-fatal motor vehicle traffic crashes in 2018. Unfortunately, many of these accidents involve uninsured drivers.

If you’re involved in a car accident and the other driver is uninsured, you may be wondering what to do. It’s important to understand your rights and the steps you should take to ensure you get the compensation you deserve.

What to Do Immediately After an Uninsured Car Accident

If you are involved in an accident with an uninsured driver, you should take the following steps:

Call the police. Even if the accident is minor, it’s important to call the police and file an official report.
Exchange information with the other driver. Get the other driver’s name, address, contact information, and insurance information (if they have it).
Take pictures of the accident scene and the vehicles involved.
Gather statements from any witnesses and get their contact information.
Seek medical attention. Even if you don’t think you’re injured, it’s important to get checked out by a doctor.
Contact your insurance company. Explain the situation and let them know that the other driver is uninsured.

Options for Recovering Damages

If you have uninsured motorist (UM) coverage, you can file a claim with your insurance company for damages up to the limits of your policy. UM coverage is a type of insurance that will pay for damages and medical expenses if you are hit by an uninsured driver. It’s important to understand the limits of your policy and the types of coverage it provides.

If you don’t have UM coverage, you may be able to sue the other driver in a civil court. If the other driver is found liable in court, you may be able to recover compensation for medical bills, lost wages, pain and suffering, and other damages. However, it’s important to note that if the other driver is uninsured, they may not have the assets to pay for the damages.

Hiring an Attorney

If you’ve been injured in a car accident with an uninsured driver, it’s important to consult with an experienced personal injury attorney. An attorney can review your case, explain your legal rights, and help you explore your options for recovering compensation. They can also help you navigate the legal process and negotiate with the other driver or their insurance company.

If you’ve been injured in a car accident with an uninsured driver, contact an experienced personal injury attorney as soon as possible. They can help you understand your rights and make sure you get the compensation you deserve.