If you encounter a car crash, the first thing you might consider (after making sure everyone is okay or clinically tended-to, of course) is if the other driver was insured. If you’re hit by an uninsured motorist, there are lots of critical factors and steps you should take immediately. You should first be certain that you’re off the street and in a secure place, and then contact the local police or highway patrol. Use your mobile phone to take photographs of another car, including the license plate and some other harm.
Attorney Driver Risks
The majority of states have implemented strict uninsured motorist laws, and for good reason. Uninsured drivers cost the automobile insurance business and law-abiding, insured drivers billions of dollars every year. A challenging economy raises the likelihood that motorists will let their policy lapse when cash is tight. Most insurance carriers provide uninsured and underinsured motorist coverage as an add-on to your own automobile policy, and several states require this policy. Contact your insurance provider to be certain that you carry ample coverage for this risk.
Who’s Responsible for Damage
If the accident occurs on private property, like a parking lot or parking structure, officers will usually not issue citations or provide a decision about fault.
Should You Involve Your Automobile Insurance Carrier?
In the event you’re hit by an uninsured driver and not at fault, your auto insurance must cover the damages, as long as you have obtained the additional uninsured or underinsured motorist coverage. The uninsured motorist can even try to file a claim against your insurance, so you might want to consider talking to an attorney. You might need to sue an uninsured motorist to collect compensation, and you’ll most probably need to pay your car insurance deductible out of pocket.
If you have been struck by an uninsured motorist and require repairs to your car, your insurance provider will also try to recover damages from another party.
If your vehicle sustained damage, the safest and easiest strategy is to discover a respectable car collision shop in your region and enlist their aid. They may offer towing assistance as a component of the services, and work with your insurance provider to complete the necessary repairs in a fast, higher quality way. Insurance companies can sometimes be stubborn or difficult to manage in these situations, and using an expert intermediary like an established auto body shop can help facilitate the process for you, helping to reduce at least a tiny bit of the stressful situation.