If you have an accident and the other driver is uninsured or underinsured, you may soon find the bills rolling in faster than you can raise the money to pay them, especially if your injuries are serious or you have no health insurance.
So if you're in an accident with an uninsured or underinsured driver, or if the accident was a hit and run, what do you do? How it all works out will depend on the circumstances, but there are a few things everyone should do, even if they think it doesn't matter because they don't have uninsured motorist coverage.
See a Doctor
It's always best to see a doctor immediately following an accident if you have symptoms, even if you think you're not seriously injured. Little things can quickly turn into big problems, and seeing a doctor immediately will provide documentation of your symptoms.
Even if they don't believe the at fault driver has insurance, even if it was a hit and run, even if you don't have uninsured motorist protection, it's important to document everything just as though it were an accident with an insured driver. Sometimes you may not think there is insurance, but it turns out coverage does in fact, exist. It’s best to document everything correctly right from the start.
No matter how it plays out, your insurance company will investigate your claim. Take photos of the accident scene if it's safe to do so and document your injuries and medical treatment; keep all your medical records, bills and estimates for future treatment; document your estimated property damage, including what it will cost or did cost to repair it; and collect proof of lost earnings.
The worst that could happen is that you won't need it.
Examine Your Coverage
Different types of coverage are required in different states, but many states also have optional coverage, and how you make claims on it depends on what you purchased and state law. Insurance policies can be confusing and it’s often difficult for many people to understand exactly what coverage they have, or don’t have. If you have any questions or would like a review of your policy to explain your coverage, call us and we would be happy to assist you.
Notify Your Insurance Company
You have an obligation to notify your insurance company following an accident. You must do so, even if you do not think there will be a claim.
Consult an Attorney
When it comes to run-ins with uninsured drivers, consulting a Kissimmee personal injury attorney can make all the difference. If you've been injured in a car accident with an uninsured driver and you have any questions, call the Kissimmee, Florida, personal injury attorneys at Draper Law Offices at 866.767.4711 for a free, no-obligation consultation.