May 15, 2018

What Do You Do When Injured In A Car Accident With An Uninsured Motorist?

The usual process when you are involved in a car accident with another motorist is to exchange the insurance details. However, this is not possible when the other motorist isn’t insured.  A car wreck with an uninsured motorist presents a number of complications, especially if you were injured in the car crash. If a motorist who caused the crash is uninsured or underinsured, you will probably be thinking of all the medical bills you will have to incur. To prevent yourself from suffering unnecessary losses, one of the first things you need to do is contact your uninsured motorist lawyer in Alabama, as he will provide the best way to proceed on the legal front.

Steps to take after a car accident with an uninsured motorist

Call 911

The first step, when involved in an accident would be to dial 911, but this action becomes a lot more important when an uninsured motorist is involved and you are injured. You will need to explain where the accident happened and the fact that you are injured and it is best that you mention that the other party is not insured. Once the police arrive, make sure that you give as many details as possible while undergoing first aid. The police will write a report stating who is at fault and if the uninsured driver is to blame, then they cannot avoid responsibility.

Inform your lawyer

In a case involving an uninsured or underinsured motorist, you cannot afford not to have a personal injury lawyer since there is a lot at stake. There are your medical bills to be taken care of and, of course, damages to your vehicle.. Your lawyer will provide you with legal advice in the case and will be in charge of making sure that you do not suffer unnecessarily due to an accident that wasn’t your fault. If you are seriously injured and have to be admitted to a hospital, the uninsured motorist lawyer will be in charge of gathering all the information needed for filing a claim.

Gather evidence

The police report in itself is ideally enough to prove that the uninsured driver was at fault for the accident, but you may need some more evidence for the claim. If you are not too hurt, you could take some photos of the car wreck before anything is moved. In these photos, you should ensure they are as detailed as possible, capturing things such as skid marks that will help your case.

Exchange contacts

Even though the motorist is uninsured; you will still need his or her contact detail so as to be in a position to share with your insurer. You need to get their personal contact information, the vehicle plate number and the contact information of any eyewitnesses that may help in your case. All these details will be with the police, but it is important to keep the information in case of any problems.

Contact your insurer

Inform your insurer of the car crash that has occurred and don’t forget to mention that you were injured and that the other motorist was uninsured. In Alabama, it is a requirement by law that motorist insurance policies include an uninsured and underinsured coverage. If you did not sign a waiver stating that you wish not to receive this cover, then the insurance company will pay for your injuries and property damage.

What happens after the accident?

A number of things may happen after reporting the car crash depending on your situation as follows:

  • Your insurer will get the police report and after seeing the other motorist was at fault, you will be compensated for the uninsured coverage.
  • If the police report does not clearly show that the other party is at fault, and your insurer refuses to compensate, you can have your uninsured motorist lawyer file a case against the motorist.
  • You win the case and the court orders that the motorist has to pay you for your damages. If he is not in a position to pay, your insurer may provide a fraction of the total losses suffered.

When dealing with an uninsured motorist, an uninsured motorist attorney is a great asset to have since he will ensure that you are well compensated for your losses. At the Vance Law Firm, we will carefully review your case and give you the best legal advice as well as see to it that all the parties involved do their part as required. If you are confined to the hospital, all you have to do is get better as we will personally take care of ensuring that everything that is owed to you is paid.


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