A no-fault state means that no matter who was at fault for the accident, it will be your insurance provider who will pay some or all of your medical bills and lost earnings. Collision insurance coverage can be used to help fix your vehicle.
Having uninsured motorist protection gives you peace of mind when you hit the road. Connect with an American Family Insurance agent to learn more about adding this coverage to your policy today.
You can also check out how our underinsured motorist protection can provide you with a financial safety net in the event of the unexpected. Get an insurance quote. ZIP Code is required. Invalid ZIP Code. ZIP Code. On The Road. Top Tips for Handling an Uninsured Driver Accident Although a minimum amount of liability car insurance is legally required in most states, there are still drivers behind the wheel without insurance. No need to panic, just follow these tips on what to do if you get into an accident with an uninsured driver: 1.
You can do the same. Filing a lawsuit for car damage and injuries allows you to receive the money you deserve without relying on an insurance company to cover the bill.
It also allows you to receive restitution for things like pain and suffering, which an insurance company may not cover. Depending on where you live, your ability to file a lawsuit against an at-fault uninsured driver will vary.
If you live in one of these states, you may only be able to sue for excessive costs, such as very high medical bills following a serious accident. In all other states, you have more freedom to pursue am action against the responsible party. Car accident lawsuits are filed in small claims court where the details of the situation are presented to a judge.
The judge will make a ruling based on this information and a court order will be made for the at-fault party to pay damages to the claimant.
Collecting from an uninsured driver can be a challenge as lack of financial resources is one reason that people are without insurance in the first place. Nevertheless, if you are facing major expenses as a result of a car accident that was not your fault, pursuing the at-fault driver in court may still be the best choice. You will need different items to build a strong case after getting hit by an uninsured driver.
Remember that you will need to work with a professional and experienced car accident attorney to get the compensation you deserve. Below are some of the items you will need. If you sustained severe injuries from the accident, it helps to have all your medical records since they will prove how the accident affected you.
This includes everything from the initial check-up to all the medical bills you had to pay because of the accident. A record of your medical bills is vital since it helps determine the compensation you deserve.
Having the information and details, including their contact information, of witnesses from the accident will help you build a strong case. Getting a copy of the police report from the accident is vital since it will help you build a strong case against the insurance driver who hit you. It is vital to take pictures from the accident scene since they will come in handy in helping you build a strong case.
You should also have photos of the injuries you sustained, especially if they were severe. Determining accident liabilities is not always straightforward, especially because the injuries you sustain can create emotional, physical, and financial hardships. All of these factors and more can impact the insurance claim and following court cases.
Listed are some of the factors considered for uninsured accident case compensation. Statistics show that the number of uninsured drivers keeps growing, even though the law in most states requires individuals to get vehicle insurance.
In every eight drivers on the road, one of them is uninsured, and there are about 1. An experienced attorney can help you understand your options and walk you through how to sue an uninsured driver.
Your car accident attorney will work to protect your interests and fight for a fair settlement, whether you are suing for car damage or seeking restitution for injuries. Did a mechanical defect, especially one known but not addressed by the manufacturer, cause your accident?
If so, you may have grounds for a claim against the vehicle manufacturer. Manufacturers must put out safe, roadworthy vehicles that do not pose an undue danger to the drivers of those vehicles or others who share the road with them. When they fail in that duty, they may end up on the line for some of your expenses. Mechanics often take care of complex repairs on vehicles. If they fail to repair them properly, it could lead to an accident. Sometimes, mechanics may even inadvertently cause more damage to the vehicle.
An honest mechanic will repair that damage and make the vehicle roadworthy before returning it. Some mechanics, however, may attempt to hide an incomplete repair job or damage to the vehicle.
You may not notice that damage until it leads to an accident. Did the owner of the vehicle knowingly allow an uninsured driver to get behind the wheel? Did the owner fail to properly maintain the vehicle? Sometimes, the owner, especially in the case of corporate or fleet ownership, may share liability for an accident that occurs in the vehicle. Was the driver who caused your injuries working at the time of the accident? Working with a car accident attorney offers the best chance of identifying all parties that may have contributed to the accident.
Often, those other parties may carry substantial insurance policies or have the resources that can help give you the compensation you need, even if the driver was uninsured. Regardless of whether the driver who hits you has insurance, you should take these five steps after the accident to protect yourself.
In the case of an uninsured motorist, these steps can prove even more critical. An uninsured motorist may attempt to tug at your heartstrings after an accident. You may feel compelled to avoid reporting the accident due to emotional manipulation on the part of the liable driver.
Failing to report the accident, however, could prevent you from getting compensation, either from your insurance company or from any other parties that may have contributed to the accident. Not only that, it could also make it very difficult to prove who caused the accident.
You can also face legal penalties for leaving the scene of an accident unless you do so to seek medical care, summon help, or remove yourself from a potentially unsafe situation. Remain at the scene of the accident. Call Wait for the police to arrive. The police will collect vital information, including contact information for the liable party, any evidence from the accident, and information about who caused the accident.
The police report will provide a record of the accident. If you accept even partial liability for the accident, however inadvertently, you may find yourself on the line for a percentage of the damages. Offer honest answers to any questions asked by the police, but do not go into unnecessary detail or make any potentially incriminating statements. You may believe, at the scene of the accident, that you did not suffer any injuries. Unfortunately, adrenaline can conceal many serious injuries until well after the fact.
Many auto accident victims discover injuries hours or even days after the accident. In the meantime, untreated injuries may substantially worsen. If you need treatment, you should take care of it immediately, rather than putting it off. If you sustained property damage or injuries in an accident with an uninsured driver, you may need to contact your auto insurance provider and your health insurance provider. Keep in mind, however, that insurers have their own bottom lines to worry about, so be cautious in your dealings with insurance companies.
Better yet, let your attorney handle insurance companies on your behalf. Unlike for-profit insurers, your attorney will keep your best interests at heart through every stage of the claims process and can help you understand the best way to proceed following an accident. A car accident lawyer can offer numerous advantages following an accident, including an accident with an uninsured motorist.
A car accident attorney can:. Provide you with the information you need.
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