Get The Compensation You Deserve When In An Accident With An Uninsured Driver
Insurance helps in paying for expenses that result from major or minor accidents when two vehicles collide. It therefore can be very confusing as to how to approach compensation when you realize that the other driver involved in the accident has no insurance or what they have is not enough yet they are responsible for the occurrence.
When you find yourself in the situation, it means you would have to work with your insurance company for damage coverage. Most companies offer additional coverage to keep you protected from underinsured or uninsured motorists. You may however need to adhere to the time limits to file your claim to get the compensation that you need from the incident. To ease the financial burden that comes with getting into an accident with an uninsured driver, it is best that you begin the process as soon as you realize that the other driver has no insurance or is underinsured and therefore cannot cover the damages.
The process
Even when you have been in an accident with a motorist who lacks insurance, you need to prepare appropriately for the insurance claim. How you handle the process can determine the results that you get in the end and you therefore want to ensure that everything is in check.
1. Start by calling the police so the crash can be recorded accordingly. You definitely need police involvement more especially considering this is a driver with no insurance you are dealing with. Police reports can help you get the deserved coverage but you can also take a step further to personally take pictures of the damaged car, the location and other details from the scene that can prove helpful when making your claim.
2. Get all information necessary from the other driver involved. The police will most likely get this, but it helps to also have the contact information of the driver whether they have insurance or not. If there were any witnesses at the scene of the accident, you can also go ahead and get their information.
3. Talk to your insurance company if you have uninsured motorist protection so you can have the damages and injuries covered. The insurance company will of course use the accident details to determine the extent of the damages and the specific coverage you can enjoy from your policy.
4. Get treated for any injuries immediately after the accident. In normal circumstances, it would be the other driver’s insurance to handle your treatment bills, but this may need to be taken care of by your health insurance in this case. Your insurance policy can help with bodily injury treatment if it is under the insurance protection.
5. Hire an injury lawyer. Personal injury lawyers may prove very helpful in situations where your insurance company is reluctant in paying your uninsured and underinsured motorist coverage. The lawyer will help in navigating the legal process, and representing you so you can recover what is rightfully due to you.