Insurance requirements for drivers vary from state to state. Most stateshave laws in place that require drivers to carry liability insurance to cover accident-related damages. In states without liability insurance laws, drivers must show proof of financial responsibility should they be involved in an accident. Financial responsibility is a demonstrated ability to pay up to a certain amount in the event a driver is liable for an accident.
Even with strict laws in place meant to protect all motorists, uninsured drivers make their way onto roadways every day. If they cause an accident with property damage and injuries, the driver who was not at fault is often left wondering how they will cover the cost of their accident and any related injuries.
Check Your Insurance Coverage
Even though you were not at fault for an accident, you still may be able to make a claim against your insurance company. Check your insurance policy for uninsured motorist coverage. Depending on the state in which you live, this may fall under liability insurance or be a specific add-on. If you have this coverage, it allows you to make a claim on your own policy for medical expenses and property damage that resulted from being hit by an uninsured motorist.
Contact Your Insurance Company
After you have been hit by an uninsured motorist, call your insurance company to report the accident. Most uninsured motorists claims will need to be made within 30 days to qualify under your policy contract.
If you are unsure whether or not you can make a claim under your policy or want to explore other options you may have, contact an experienced personal injury attorney. They will be able to advise you of the laws in your state and help you initiate a claim for your accident and injuries.
Make sure you keep detailed documentation of all the expenses you incur as a result of the accident. Expenses can include things like doctor’s appointments, transportation costs, lost wages, and vehicle repairs. Your insurance company will likely investigate your uninsured motorist claim. They will want to see proof of medical bills and repair costs. Having these documents in place can help move the claims process along more quickly.
If you have hired a car accident attorney, they will handle the claims process for you and provide your insurance company with all the information needed to process your
Consider Filing a Lawsuit
Although your accident may have only involved you and the other driver, other parties may be liable. For example, if the at-fault party was driving a company vehicle, their employer could be held partially responsible. A personal injury attorney will be able to determine all the parties who you may be able to recover compensation from. With their expertise, they can decide if filing a lawsuit may be the best legal recourse to help you cover your expenses and damages.