Traffic accidents happen. If you get involved in a car accident, it can sometimes be a comfort to know that auto insurance coverage – yours and that of the other driver – will help pay for the medical expenses and other damages. In some cases, the other driver may not have sufficient or any car insurance. An example of such instances is a hit-and-run car collision.
Most states require drivers to have vehicle liability insurance. Unfortunately, some drivers manage to get around these state regulations. Some people buy insurance long enough to get their cars registered and then cancel these policies. So, what will happen if the other driver in a car crash isn’t insured?
Call the police
If you ever get involved in any vehicle accident, regardless of the other driver has insurance or not, call the police. The law enforcement officials will document the accident scene and indicate whether the other driver has sufficient insurance or lack thereof. These details will make it easier to process the claim faster.
You shouldn’t accept money from the other driver. Since the other driver lacks auto insurance, there is a good chance they might try to offer you some cash to persuade you from taking legal action. At this point, you don’t know the extent of damage to your vehicle or the nature of injuries you may have suffered. Accepting money might compromise your right to file a personal injury claim.
Instead, you should exchange contact information, vehicle insurance details, driver’s license details, and address information with the other driver. Try to get the vehicle registration number and model in case the other driver tries to flee the scene. This information will help the police to figure out who was involved in that crash.
Insurance claim against an underinsured or uninsured driver
Now that you have all the details, you need to prove that you got involved in an accident and the other driver doesn’t have auto insurance, turn to your own insurer to cover your damages. This process isn’t easy, and you need an attorney to help you figure out the right options.
If the accident happened in a no-fault state, the entire claim process might be different. A no-fault state means that regardless of who was to blame for the accident, it’s your insurer who will pay your medical expenses and lost income. Whether the other driver is insured or not, you will still file the claim with your insurer.
Get the right insurance coverage
Uninsured motorist coverage is additional coverage that can be purchased from most insurers. It protects the policyholder in case they get involved in an auto accident with an underinsured or uninsured driver. This insurance cover is required in just a few states. Sure, auto insurance is mandatory in the United States, it’s recommended for drivers to acquire the UIM coverage just to be sure that they’re fully protected.
Seek legal help
Personal injury claims involving an uninsured or underinsured driver is complicated. Your best course action is to immediately report the accident to the law enforcement officers and contact a Florida personal injury attorney. He or she will help you report the incident to your insurer and find out how your coverage might apply.
If you sustained severe injuries, there is a good chance you will end up spending a lot of resources. Therefore, talk to your attorney to figure out your options.
