Insurance assists in paying for expenses that result from minor or major injuries when two vehicles collide.
When you end up in the circumstance, it means you may need to work with your insurance company for damage coverage. Most companies provide additional coverage to keep you protected from uninsured or underinsured drivers. You may however have to adhere to the time limits to file your claim to get the compensation that you need in the episode. To ease the financial burden that comes with getting in an accident with an uninsured motorist, it’s better that you start the process once you understand that the other driver has no insurance or is underinsured and therefore can’t cover the damages.
Even once you’ve been in an accident with a driver who lacks insurance, then you want to prepare appropriately for the insurance claim. How you handle the procedure can determine the outcome that you get in the end and you therefore wish to make certain that everything is in check.
1. Begin by calling the police so the crash could be listed accordingly. You definitely require police involvement more especially considering this is a driver with no insurance you’re dealing with. Police reports can help you to get the deserved policy but you could also have a step further to personally take photos of the damaged car, the location and other details in the scene which could prove useful when making your claim.
2. The police will probably get this, but it helps to also get the contact information of the driver whether they have insurance or not. If there were any witnesses at the scene of the collision, it is also possible to go on and get their information.
3. Speak with your insurer if you have uninsured motorist protection so that you can get the damages and injuries covered. The insurance provider will naturally use the injury details to ascertain the amount of the damages and the particular coverage you may enjoy from your coverage.
4. In normal conditions, it would be the other driver’s insurance to deal with your treatment debts, but this might have to be cared for by your health insurance in this situation. Your insurance coverage can help with bodily harm treatment if it’s below the insurance protection.
5. Hire an injury attorney.