A certain percentage of American drivers are either not insured at all or don’t have enough insurance. A new study by the Insurance Research Council (IRC) found that 33.4% of drivers were either not insured or not insured enough. This figure is a 10% rise in the combined rate since 2017.
In case of an accident with an uninsured car, you would have to think about your compensation alternatives. In the U.S., it is possible to get compensation either by filing a claim under uninsured motorist coverage or personal injury protection. A lawsuit is another option that you may consider. In case you are stressed and confused about your options, then you might need legal assistance.
Let’s go through the different means by which lawyers can help you get paid in case the other driver is uninsured.
Understanding Uninsured Motorist Coverage
Uninsured motorists’ insurance is beneficial when you suffer losses from an accident involving an uninsured party. According to uninsured motorist accident lawyer Jack D. Franks, if the driver who caused the accident does not have insurance, you can get compensation through your own insurance policy. You can get the amount you need to fix your car, get medical care, and pay for bills related to the accident through your uninsured motorist coverage.
Getting uninsured motorist coverage is less about the protection and more about joining a community that looks out for road safety and support. So don’t let uncertainty come into your life; learn about and embrace this very important insurance.
Steps to Take After an Accident With an Uninsured Driver
When a person is injured, the first thing to do is to immediately call for help, as the outcome may be a matter of life or death. Only take cars off the road if they are slightly damaged. Get the driver’s name, phone number, and the car’s information. Try to get the witnesses to tell you what happened and take photos as evidence. Do not depart from the incident scene and await the police report. Waiting for a report from the police may be helpful to you in the future. Insurance company representatives should be informed about the accident for them to guide you properly regarding your premium options. You can cope with this situation better by following these steps.
It is advisable to seek the assistance of an uninsured and underinsured motorist accident lawyer. The law experts are going to put all their efforts in your favor to make sure that you receive the right amount of compensation.
Filing a Claim With Your Insurance Company
Whenever you file the claim, you have to reveal all necessary details, such as the case information, police reports, and witness statements. Always tell the truth and be impartial in your account. By doing this, you will win the trust of the company.
The insurance company will appraise and decide the legitimacy of your claim. Do not hesitate to inquire and voice your concerns during the whole process, as they will help you. If you suspect that your insurance company is not being fair in determining the amount of compensation, feel free to get in touch with a lawyer.
Legal Options and Considerations
When there is an accident with a driver who doesn’t have insurance, you should first look over your own insurance. Uninsured motorist coverage might help pay for your losses, and medical bills or liability claims might give you even more protection. You have the option to press charges against an uninsured motorist, but reclaiming your money will be quite challenging if they lack assets.
Preventative Measures for Future Protection
In the event of coming across an uninsured driver, the quickest way to protect your finances would be to settle the issue quickly. You are supposed to carry auto insurance that protects you in case of accidents with uninsured drivers. This insurance will be your safety net if an accident occurs and the other driver does not have insurance.
Join online communities or forums related to cars and discuss safe driving.
By exchanging stories, the potential risks in the surroundings could be uncovered for all.
Keeping the insurance agent on good terms will be an advantage. The insurance agent would know all the insurance plans well and could suggest the one that fits your situation better.
By doing this, you not only protect yourself but also support communities appreciating safety and responsibility on roads.
