Generally, if you are wounded in a car accident and the at-fault party lacks auto insurance, you have a few different alternatives for recovering the money necessary to cover your damages.
Establishment of Fault
Establishing liability is one of the first components of a case to establish, as it will govern how the case continues. In “tort states,” such as California, the at-fault driver is liable for resultant injuries and damages, such as medical costs and lost wages. All injured parties collect from their own insurance carrier in “no-fault” states.
Report a Traffic Collision
A police report is critical when filing an insurance claim, particularly one with uninsured driver coverage. Because many insurance companies are dubious of such claims, a police officer-written traffic collision record can substantiate numerous aspects of your claim, including critical data about the occurrence, such as the date, location, and parties involved. Additionally, the report will include whether or not an individual possesses valid insurance.
Submit an Insurance Claim to Your Insurance Company
The next step is to contact your insurer and file an uninsured motorist claim. If your policy includes uninsured motorist coverage, you can expect your insurance provider to pay for your medical expenses and property damage, according to the limits of your policy.
Your claim should be lodged as soon as possible. In some instances, you may have only 30 days to file a claim.
Contribute Your Part
However, while having uninsured motorist coverage may appear to be useful on paper, actually collecting the payment you are entitled to is not always as quick or straightforward as it should be.
By taking responsibility for your case, you can significantly improve the process and outcome. For example, you can collect evidence, file a police report, keep track of all receipts and invoices for vehicle towing and repairs, and preserve all records and documents pertaining to medical care, such as doctor’s office visits, surgery, medical procedures, hospitalization records, and prescriptions.
Consult an Experienced Attorney
When dealing with insurance companies, keep in mind that their primary objective is to maximize their company’s income, which often entails lowering or denying your claim. It is not advisable to make comments to the insurance company without first consulting an attorney, as everything you say can be used against you.
You can expect the insurance company to make every attempt possible to persuade you to settle your claim without the assistance of an attorney. Allow this to happen; once you sign a contract, you will forfeit your ability to seek higher wages in the future. This is not as easy as dealing with an Indianapolis dog bite attorney since injuries are limited in such cases. With car accidents, compensation is always higher so you need the help of an experienced attorney.
Due to the particular nature of each auto insurance policy, your uninsured motorist coverage may be insufficient to cover all of your needs.
Knowing the exclusions of an uninsured motorist policy is just as important as knowing what the insurance covers when purchasing uninsured motorist coverage.
If you don’t have uninsured motorist coverage, you can file a report with the Department of Motor Vehicles. It could even suspend the other driver’s license until they pay for your car’s damages. This suspension may compel the driver to reimburse you.