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Things to remember in uninsured driver accidents

Car accidents happen.  When they do, you can take comfort in the knowledge that you have adequate auto insurance coverage.  Some people do not take such precautions, however. At times, a driver involved in a car accident may not have enough car insurance to cover costs or may not even have a basic policy, to begin with.  This creates some uncertainty in the event that the uninsured driver was responsible for having caused the accident and ought to be held responsible for any financial damages incurred. For information on uninsured motorist insurance protection matters, see the California Department of Insurance website.  

Underinsured and uninsured coverage can lend a helping hand

Auto Accident LawyerWhen you find yourself involved in a crash with an uninsured driver, you will have no choice but to rely on your own insurance to help with any damages.  Fortunately, there is a solution. Underinsured and uninsured motorist coverage are additional policies that individuals can acquire in order to protect themselves in the event of a collision with an uninsured or underinsured driver.

Most insurance providers require that you file a claim for uninsured motorists within a narrow timeframe.  In some instances, a policyholder may have as few as thirty days from the date of the accident. This is why it’s best to begin the process of filing a claim immediately after learning that the other driver does not have adequate insurance coverage.

Dealing with an uninsured driver accident

The other motorist not having insurance is the only variable that differs from the average car accident in these cases.  As a result, there are certain steps you ought to take in order to prepare for such an insurance claim.

Call local law enforcement

Calling local police after an accident is the right thing to do.  It’s important to make sure there is a record of the crash, especially in cases where the driver was uninsured.  The associated police report will assist with the claims process. You may also want to take photographs of the scene and any resulting damage or injuries.

Exchange contact information with others

Be sure to get the contact information of the other driver and any witnesses.  Although the police will do this as well, you must learn whether or not the other driver has insurance.  

Contact your own insurance company

If you have an uninsured motorist policy that covers injuries and property damage, your policy provider will help.  At this point, the insurance provider will figure out how much your policy will cover any damages.

Seek medical attention

If you were injured, there may be medical expenses to follow.  In a typical case, the insurance of the other driver would cover your medical bills.  But in uninsured driver scenarios, your own health insurance may provide coverage. Even so, you may have to pay for your deductible outright.

If you have been injured in a car accident with a driver who was uninsured or underinsured, contact our law office today.           

 

 

 

 

Sources:

https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm

https://www.losangelesinjurygroup.com/

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    Note for the readers: This post has been derived from the use of secondary sources and the information provided has not been independently confirmed. The photos depicted in these posts are not representative of the actual accident.  Any inaccuracies will be swiftly corrected once they have been brought to the site’s attention and all requests to remove posts will be honored.

    Disclaimer: This post is intended to provide general information to our readers and to honor the victims of everyday tragedies. We do not wish to cause any disrespect and none of the information contained in this post should be construed to constitute legal or medical advice. Laws vary by jurisdiction and cases often turn on minor differences In fact. Do not rely exclusively on any of the information contained in this post and seek further assistance from a legal or medical professional, where necessary.

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