How to Deal with an Uninsured Driver After a Car Accident

How to Deal with an Uninsured Driver After a Car Accident

The last thing most people want to hear after an accident is that the other driver is uninsured. This raises reasonable concerns about how you will be compensated. Looking into uninsured motorist coverage is one important step to take in this process, and so is filing a strong car accident claim. Working with a Jackson multi-vehicle accident attorney can make this process easier.

How An Uninsured Driver Will Affect Your Claim

A car accident with an uninsured driver leaves many people wondering whether they will be compensated for their injuries. This is possible with uninsured motorist coverage, but only under certain conditions. The other driver must be partially at fault for the accident, not have auto insurance, and damages must have occurred in the accident.

In other words, you will need to prove the other driver was at fault or partly at fault for the accident. This requires collecting car accident evidence and submitting a car accident claim with the auto insurance company. You may have to defend your claim if the insurance company challenges what you submitted.

The damages you suffered could range from property damages to bodily injuries. Property damages involve vehicle repairs or totaled vehicles. Injuries that require medical attention or which involve significant bodily harm also count as damages. You can prove these with your medical records.

Uninsured motorist coverage can come in the form of bodily injury coverage and property damage coverage. This means if you have this coverage in your auto insurance plan, you could be compensated for:

How to Deal with an Uninsured Driver After a Car Accident

  • Medical bills
  • Lost wages
  • Emotional distress
  • The loss of a loved one
  • Property damages to your vehicle or cellphone

Mistakes to Avoid with an Uninsured Driver

There are vital mistakes to avoid when dealing with an uninsured driver. Making one of these mistakes could hurt your chances of being compensated. When it comes to car accident steps right after the accident, be sure to:

  • Never admit fault and do not apologize
  • Collect the other driver’s basic contact and vehicle information
  • Call 911 even if the other driver says their injuries are fine
  • Call the police because you need a police report

Failing to call 911 when someone is injured might be used against you if your claim goes to trial. Covering all your bases is what will increase your chances of compensation when the other driver is uninsured, as well as collecting as much evidence as you can with photos, medical records, police reports, and other supporting documents.

Consider contacting a Jackson auto accident lawyer to see what other steps can be taken. A lawyer can help you assess your options when you were hit by an uninsured driver.

Multi-Vehicle Accident Lawyer in Jackson

Finding out the driver who hit you is uninsured can be stressful. Feel free to call the Germany Law Firm, PLLC by dialing (607) 487-0555 to speak with a Mississippi auto accident attorney for a consultation today. Our experienced team of lawyers can help you fight for compensation to cover your lost income, pain and suffering, and medical costs. We can be found in Jackson, Madison, Gulfport, Oxford, and other cities in Mississippi.