Thousands of cars get involved in accidents every day in the United States of America. The magnitude and the nature of these accidents differ from one to another. If you are on the road, you are expected to drive an insured car.
Your insurance is supposed to cover some, if not all, expenses when a car crash occurs. If you find yourself involved in an accident with an uninsured car, you need to be informed of the path to take when hit.
If you are hit by an uninsured driver, you are expected to notify the police and your insurer about the accident. You will also be expected to notify your lawyer, who will advise you on the best way forward.
The moment you are hit by another car on the road, the first thing that crosses the mind is if the driver is insured. You need to immediately take the contact and insurance information of the driver who hit your car. You will notice that uninsured motorists will hesitate to give this information since it is not available.
Under such circumstances, you will be required to immediately inform the police, who will follow up on the insurance status on the current vehicle. You will be required to note the car model, the registration number, and the third party’s name and address. At the same time, you will relay information about your vehicle condition, clearly stating the damages suffered.
You can back up the evidence by getting pictures of the vehicles at the scene of the accident. In the collection of sufficient evidence, you can also get a few witnesses who can give an account of the accident.
Notify the Insurance Company
You will be required to notify your insurance company that you have been hit by an uninsured driver. The insurance company would typically cover you if the accident was caused by another person. However, if you have third party insurance only, it will be highly unlikely that you will receive any form of compensation.
After getting in touch with the police and insurance company, you should notify your attorney about the accident. The attorney will discuss with you about the accident. They will ask you several questions about the accident, such as the place it occurred, who was on the fault, if the driver was insured and whether you notified the police and insurance company.
Your NYC car accident attorney will then offer all the possible options that can take place with regard to the accident. Your attorney will then get in touch with your insurance to discuss your claims with an attempt to reach a settlement on your behalf. A lawsuit will be inevitable if your attorney realizes that the insurance coverage is not enough for your claim.
The attorney will make a draft of the case and file it with the local courthouse. Your attorney will give ample time to the at-fault driver to respond to the lawsuit. If the at-fault driver is cooperative, a settlement will be arrived at through negotiations. If not, the lawsuit will proceed to trial to resolve the matter.
If at any time you are hit by an uninsured driver, you need not worry. All you need to do is to notify your insurer and the police about the incident. You will also inform your lawyer of the accident for advice on how to proceed with seeking the claims.
You will be required to collect all the necessary evidence to prove that you are not the one at fault. Compensation will inevitably come your way if you were not the one at fault.