Accidents can happen when you least expect them, whether you’re a safe driver or not. Even with the proper car insurance coverage, accidents involving an uninsured motorist can be a major headache. Even if they are underinsured or have the minimum coverage required by law, it may not be enough to cover all of your damages. Let’s discuss some steps you can take to handle the costs of a car accident involving an uninsured motorist.
Make Contact With Your Insurance Provider
After making sure everyone involved in the accident is safe and contacting law enforcement, you should make immediate contact with your insurance provider. Even if you don’t think you’re at fault, it’s still important to notify them of the accident. Your insurance provider can advise you on the steps to take and how your policy applies in an uninsured motorist accident. They may also be able to provide you with coverage depending on the specific policy you have.
Swap Information With the Other Driver If Possible
If possible, swap information with the other driver involved in the accident. They may not have insurance, but it’s still important to gather their contact information, driver’s license number, and the make and model of their car. You should also take pictures of the damage done to both vehicles if possible. This information can come in handy when dealing with your insurance provider or legal representation, and it may also be required if you need to file a police report or if you end up in court.
Inform The Police and Report The Accident
Informing the police and reporting the accident is important to document what happened. The police will create an official report which can be useful in your claim process with the insurance provider. Cities like Chicago have very busy streets and accidents can be common, which makes it even more important to have a police report on file.
Consider Legal Options
If your insurance policy isn’t sufficient or you have high medical bills, legal action may need to be taken. You may want to consider contacting an attorney who specializes in personal injury and car accident cases.
Chicago personal injury attorneys can guide you through the legal process and guide you on your legal options, such as filing a lawsuit against the uninsured or underinsured driver. An attorney could also help in recovering damages from other sources, such as your own insurance policy or a third-party claim against the car manufacturer or parts supplier.
It’s important to note that legal action should be taken on a case-by-case basis and may not always be necessary. It’s important to carefully consider all of your options and consult with professionals who can help you decide on the best course of action.
Determine Your Next Steps and Follow Through
After consulting with the necessary professionals, determine your next steps and follow through. Whether a personal injury attorney is necessary to determine the specific course of legal action or if your insurance provider will be handling the matter. It’s important to stay proactive and follow through with the chosen action plan.
Insurance companies may often handle car accident cases, but it’s important to remember that their primary goal is to minimize costs for the company. Therefore, it’s essential to be cautious and diligent in the process. Ensure that all information provided to the insurance company is accurate and complete and that you document all communication and correspondence with the insurance company. This will help in case some disputes or issues arise later on.
Recovery after a car accident can be a challenging process. It can become more stressful if you’re dealing with an uninsured driver. However, using the steps listed above, you can make the process smoother and less stressful. Let your lawyer or insurance company handle the legal and financial aspects while you focus on physical and emotional healing.
Document all communication and correspondence throughout the process. From the other driver’s information to your conversations with your insurance company, keeping records will make it easier to navigate any potential issues that may arise.
Compensation will vary depending on the specifics of your accident and injuries. Contact a personal injury attorney or your insurance provider for further guidance on how to proceed with seeking compensation after a car accident involving an uninsured driver.