What to Do if You Are in an Accident With an Uninsured or Underinsured Driver

Car accidents can be traumatic and overwhelming, especially if you are involved in one with an uninsured or underinsured driver. Not only do you have to deal with the physical and emotional aftermath of the accident, but you may also face financial difficulties if the other driver does not have adequate insurance coverage. In such a situation, knowing what steps to take to protect yourself and your rights is imperative. 

At Knowles Law Firm, our car accident lawyers have extensive experience in handling car accidents involving uninsured or underinsured drivers. Our team of dedicated attorneys is well-versed in the laws and regulations surrounding these types of accidents and can guide you through the legal process. Contact us to learn more about how we can help you.

Why Does Insurance Matter in a Car Accident?

When you’re involved in a car accident, auto insurance is a safety net that can cover the costs of damages to vehicles, a rental vehicle, medical expenses for injuries, and any other unforeseen expenses. If both drivers involved in the accident have insurance, the insurance companies will investigate and determine which party is at fault. Then, the at-fault party’s insurance will pay for the damages. But what if the other driver doesn’t have insurance or doesn’t have enough of it? That’s when things can get tricky. 

If you’re hit by an uninsured or underinsured driver, you might find yourself facing hefty bills with no clear way to pay them. This is why insurance matters so much. It’s not just about obeying the law–it’s about protecting yourself from potential financial disaster following an accident. Knowing the role of insurance in car accidents helps you understand the steps you need to take to ensure you’re not left covering all the costs on your own.

What Should I Do Right After the Accident?

If you find yourself in a collision with an uninsured or underinsured driver, the first and most crucial step is to ensure everyone’s safety; check if anyone needs immediate medical attention and call for help if necessary. Even if injuries seem minor, seek medical care as soon as possible, as some symptoms of injuries may not appear immediately. This not only ensures everyone’s health and safety but also provides a medical record that can be vital later on.

Next, try to gather as much evidence at the scene as you can. Take pictures of the vehicles, any visible injuries, and the surrounding area where the accident occurred. Exchange contact and insurance information with the other driver, if they have any, and collect contact details from witnesses. Documentation can be incredibly valuable in building your case. After you’ve taken these steps, contact an attorney specializing in car accidents involving uninsured or underinsured drivers who can guide you through the next steps and help protect your rights as you navigate the process of seeking compensation for your damages.

Should I File a Claim With My Insurance Company?

Even if the other driver lacks insurance or has insufficient coverage, it’s crucial to report the accident to your own insurance company as promptly as possible. Notifying your insurer about the accident ensures that you comply with your policy’s requirements, which often includes reporting accidents within a certain timeframe. Failing to do so might lead to your insurer questioning your claim or, in some cases, canceling your policy altogether.

By filing a claim with your insurance company, you’re not only adhering to the terms of your policy but also activating potential coverage options under your plan, such as Uninsured or Underinsured Motorist Coverage. This action does not mean you are at fault–it is a proactive measure to safeguard your rights and ensure a backup plan is in place should you need it.

How Can I Cover My Expenses?

If the person at fault in your car accident doesn’t have enough insurance or none at all, covering your expenses can seem daunting. First, check your own policy for Uninsured or Underinsured Motorist Coverage, which can help pay for your damages. If this coverage doesn’t fully cover your expenses, our attorneys can explore additional options for compensation, including your health insurance for medical bills or collision coverage for vehicle repairs. 

Additionally, you might consider asking your attorney about obtaining a letter of protection. This letter is an agreement between you and healthcare providers that provides reassurance that they will get paid from the settlement of your case. It’s an agreement that allows you to receive necessary treatment without immediate out-of-pocket payments.

Injured by an Uninsured Driver? Contact the Accident Lawyers of Knowles Law Firm Today

If you’re dealing with the aftermath of an accident caused by an uninsured driver, don’t navigate this challenging time alone. The skilled team at Knowles Law Firm is here to provide you with the support and guidance you need. By leveraging our expertise, we aim to secure the compensation you deserve to cover your expenses and alleviate your stress. 

Reach out to us by calling (402) 431-9000 or by filling out our contact form. Let us help you through this difficult period by ensuring your rights are protected and your financial concerns are addressed.