According to a survey conducted by the Insurance Research Council (IRC), 14% of drivers in the United States were not insured in 2022. That’s over a million drivers. So, there are greater chances of crashing into an uninsured driver than you’d think. While some states require drivers to have car insurance of accidents, many drivers do not bother getting insurance or simply let their policy lapse.
If you get into an accident with an uninsured driver, it is necessary to act fast if you want to receive compensation for your damages. In this article, we will walk you through the best things to do and legal options after getting into an accident with someone who lacks insurance.
Immediate Steps to Take After the Accident
Regardless of the insurance status of the other driver, your first response should be the same as with any other accident. The first thing to do is to ensure your safety. Check for any injuries, and if possible, move to a safe location as you wait for help.
Next, call the authorities. A police report will be very crucial when it comes to filing your claim or taking any legal action. Afterward, try to collect as much evidence as possible. Take photos of the accident scene and any damages to the vehicles. Also, note down the license plates and get contact information from any witnesses.
Even though the other driver lacks insurance, it is important to still exchange information. So get their name, phone number, and vehicle description.
Contact Your Insurance Provider
After handling the immediate aftermath, the next best course of action is to notify your insurance company as soon as possible. The type of coverage you have will determine how much protection you receive.
For example, if you have uninsured motorist (UM) coverage, your own insurance may cover medical expenses and car damages.
If you have PIP (Personal Injury Protection), which is a no-fault cover, it will cater to your medical expenses regardless of who was at fault. You can also file a claim if you have collision coverage. However, this may only cover the damages to your vehicles.
If by any chance you don’t have any of these covers, you may need to explore all legal options to increase your chances of getting compensated.
Legal Options for Recovering Compensation
When the at-fault driver lacks insurance, you may have the option to file a lawsuit against the uninsured driver. You can sue for damages, but collecting compensation can be very challenging, especially if the driver has limited financial resources.
Another option is to seek compensation through third parties. For instance, if the uninsured driver was working or on duty at the time of the crash, their employer may be liable. Additionally, some states offer funds to help victims of uninsured drivers recover some of their losses.
What Is the Role of a Lawyer in Uninsured Driver Accidents?
Well, if your damages are significant and insurance isn’t enough to cover your losses, hiring a lawyer can help your case. A skilled attorney knows how to navigate and explore all your legal options to help you file claims effectively.
They can also negotiate with your insurance provider on your behalf to ensure you receive fair compensation. If the case goes to court, they will represent you and collect the right evidence.
Conclusion
Dealing with an accident involving an uninsured driver can be very frustrating and financially draining. However, by taking the right steps, you can improve your chances of getting fair compensation. To avoid getting in such accidents, it is crucial to practice defensive driving, invest in uninsured/underinsured motorist coverage, and review your policy regularly.
