My name is Arlene, and two years ago, I was involved in a car accident that wasn't my fault. I had some injuries that required a hospital stay, and I was unable to return to work for several weeks. I didn't know how I was going to pay my bills, and it was very stressful for me. My friend told me that I needed to hire an accident and personal injury attorney so I could recover my lost wages and medical costs. I was so glad that I hired the attorney, and my stress level immediately went down. Through the attorney, I was able to get a settlement, and I was no longer in financial trouble. I am writing this blog to let everyone know the importance of hiring an attorney after an accident. It's my wish that this blog will help others who are in similar situations.
Whenever you are involved in an automobile accident, you are supposed to exchange insurance information with the driver of the other vehicle. Here are the three steps you should take if the other driver does not have insurance.
#1 Collect As Much Information As Possible
It is vital that you collect as much information as possible at the scene of the accident from the other driver. It is even more important to make sure that you have the right information from the other driver since you will not be working with their insurance company. You are going to need this information for the next two steps.
Here is a quick overview of the must-have information that you need to collect from the other driver:
Since you don't have this driver's insurance information, it is a good idea instead get their contact information for work. That way, you have a back-up way to contact this individual down the road if you decide to pursue a civil suit against them for damages.
#2 Contact Your Insurance Company
Just because the other driver claimed to not have insurance doesn't mean that you should skip telling your insurance company about what happened. You need to keep them informed about what happened so they can process your claim.
You are going to want to share the contact information for the other driver that you collected. Your insurance company can follow up with the other driver and confirm that they don't actually have insurance.
If you have uninsured motorist coverage on your policy, your insurance company will cover the damages from your accident. Your insurance company will need to be notified of the accident for these benefits to kick in.
Finally, it is vital that you contact your insurance company as soon after the accident as possible about your accident with an uninsured driver because many insurance companies require you to report accidents within a certain time frame and disclose all relevant information, such as that the other driver is uninsured.
#3 Find A Car Accident Attorney
Finally, if you want to protect yourself, you should contact a car accident attorney and let them know that you were involved in an accident with an uninsured motorist. A car accident attorney can help you navigate through this unique situation with your insurance company and ensure that you are properly compensated based on the insurance that you have.
Additionally, a car accident attorney can help you pursue the other driver through a civil suit to help you re-coup any repair costs to your vehicle or medical bills that you accrued.