Don’t drive car without insurance in US
You may believe that if you are involved in an accident, the other driver will have car insurance. However, this is not always the case. It is not always possible to rely on other drivers' insurance. It is critical to understand your rights if you are involved in an accident with someone who does not have insurance.
The Insurance Information Institute reports that 78% of drivers have comprehensive insurance. Furthermore, 74% purchase collision insurance.
What to Do If an Uninsured Driver Causes a Car Accident
The first step is to gather evidence as soon as possible, regardless of how the accident occurred or what you intend to do. Fortunately, you can begin this procedure immediately following the accident.Here are some steps you can take to begin presenting evidence against the negligent driver.
1. Call the police and report the accident.
In Georgia, if there are any injuries or more than $500 in property damage, you must call the police and report the accident. This covers the vast majority of mishaps. As soon as the collision occurs, dial 911 and notify the police that you were involved in an accident.It's possible that the other driver will try to talk you out of calling the cops or will claim that they only want to settle the damages between the two of you. At-fault drivers who lack insurance frequently act in this manner because they are aware that they will face consequences if the accident is reported.
However, you must prioritize your needs because failing to report the accident will result in the loss of all legal rights. Never, ever, ever fail to report an accident.
2. Take Pictures
Take pictures of the following with your phone or camera:- The accident site
- Your injuries (and injuries of any passengers).
- Car body damage
- Any other information you believe is pertinent to your case.
3. Exchange Information
Although the cops will request this information when they arrive, it's a good idea to share it with the other driver while you wait:- Initials and surname
- Contact details
- Insurance policy details
- Identification numbers
4. Tell Your Car Insurance Company
You must notify your own insurance company of the collision, especially if the other driver does not have adequate insurance coverage. In this case, you can find out what your insurance covers.5. Speak to a car accident attorney.
Consult with an experienced auto accident attorney who can assist you in weighing your options if you have severe injuries that your UM/UIM insurance will not cover. You should not be forced to pay for another driver's mistakes, even if they do not have insurance.If you have uninsured/underinsured motorist coverage, use it.
Drivers should think about getting uninsured or underinsured motorist coverage. Your insurance company will pay for the expenses incurred by an underinsured or uninsured driver who causes injuries or vehicle damage. Some states may require coverage for both uninsured and underinsured drivers.If the at-fault driver had insufficient insurance, your underinsured motorist coverage will cover the damages. It can be aggravating to be in a car accident with an uninsured or underinsured driver.
In addition to conducting an investigation, the insurance company will request documentation of your injuries, medical care, and vehicle damage. You may believe that your insurance company is undervaluing your claim. A car accident lawyer can assist you. They have extensive experience negotiating with insurance companies, and if they refuse to cooperate, they will take your case to court.
1. Filing a lawsuit against the at-fault driver.
If you don't have it, you have the right to sue the responsible party. A knowledgeable auto accident attorney can assist and advise you. With the assistance of a car accident attorney, you can achieve the best results.A lawyer may be able to compensate you for any losses you have incurred as a result of your negligence.
2. New Uninsured Motorist Protection.
According to the Georgia Department of Insurance, a law passed in 2008 requires auto insurance providers to provide "New Uninsured Motorist Coverage," which provides more protection for a higher premium.If you have this new UM coverage and the other driver causes your injuries or property damage, your carrier should cover your damages in addition to the at-fault driver's Bodily Injury.
3. Making a claim for uninsured motorists.
If you are hit by an uninsured or underinsured driver, don't be afraid to take action. Typically, you have a very short window of time to file these claims; on rare occasions, you will not have more than 30 days.After you file a claim, your insurance company will investigate the details. They will look into your injuries, medical treatment, and other factors. If you believe your insurance company is not treating your claim fairly, contact a car accident lawyer as soon as possible.
4. Filing a lawsuit against the opposing driver.
If you sustain significant damages that your UM/UIM insurance does not cover, you might consider suing the uninsured or underinsured driver. This is frequently an option in "fault" states like Georgia, where the at-fault driver is responsible for all damages.Before filing a lawsuit, you should consult with an experienced auto accident attorney. The majority of uninsured drivers are unable to obtain insurance due to financial constraints. Even if you win a judgment against them, you may not have many assets available to you if you sue them for your damages.
Only if you are aware of the driver who caused the accident can you file a lawsuit. If you were the victim of a hit-and-run, you won't be able to sue the driver unless you can figure out who they are. With the help of the police and your attorney, you might be able to track down the hit-and-run driver.
Conclusion
This article will teach you more about what to do after an accident without insurance.
