Injury In Idaho

4 Steps To Take After Being Hit By an Uninsured Driver

Few events are as stressful and unexpected as a car accident, but when you discover that the person who hit you is not insured, this can make the wreck even more frustrating. You may have injuries and property damage that need medical attention and serious repair, but where do you turn when the other driver has no coverage? Fortunately, there are a few steps you can take when it comes to recovering from this type of accident.

#1 Contact the Police 

The uninsured driver may ask that you do not call the police to avoid a citation, but filing a report can help you build a lawsuit later on, especially if you have major injuries. File a police report as soon as you can and answer all questions as honestly as you can. Even if the other driver does not have insurance coverage, your own policy may protect you to some extent, and a police report is proof that the accident occurred. 

#2 Call Your Insurance Company 

Once you can do so safely, call your car insurance carrier and explain that an uninsured driver struck you. Your local representative can help you review your policy and let you know what kind of coverage exists under your own insurance. You may have personal injury protection or a rider under your collision coverage. If you live in a no-fault state, your PIP coverage pays for damages and medical bills up to the total amount of the coverage you purchased. 

#3 Review Your Health Insurance Plan 

If the total cost of your injuries eclipses your PIP protection, your health insurance carrier may be able to assist you. Call your representative and ask what limits they impose on physical therapy and other medical services you may need. The more coverage you have, the better the chances you will not have to pay for your recovery 100% out of pocket. 

#4 Hire An Attorney 

When an uninsured driver causes you injuries and ruins your vehicle, you may feel frustrated and unsure if you are doing all you can to protect yourself. Hiring an attorney can offer you peace of mind, handle and process documents and build your court case when you sue to recover damages. If you are still recovering from your injuries, you can allow your attorney to represent you both in and out of the courtroom, from fielding questions to offering support when you feel unsure about which step to take next. 

When an uninsured motorist causes an accident, it can turn your world upside down, but help is available. Contact car accident lawyer, like a lawyer from Therman Law Offices, LTD, today for further information. 

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