Being involved in an automobile accident can be an extremely taxing experience. If the accident was caused by another driver, then his or her coverage should cover the costs. But what happens if the party at fault is not insured?
Unfortunately, there are many uninsured drivers on the road, even though all motorists are required to carry at least a minimum amount of coverage. If one of these drivers should hit you, then you may end up footing the bill for the damages yourself.
However, you do have some measure of recourse, but there are some important steps you need to take. First, in the immediate aftermath of the accident, obtain as much information as you possibly can about the other driver. This includes his or her name and driver's license number as well as the other car's license plate number.
And if you can, get some pictures of the scene, which include all the damage that occurred. You may even want to try to get a picture of the other driver, but if he or she declines then don't be insistent.
You will also want to contact the police, especially if the other driver is belligerent or uncooperative. Remember, it is against the law to drive sans insurance, so it is a good idea to inform the police about the other driver's actions.
As soon as you can, contact your insurance company. If you have uninsured motorist coverage, then you should be covered to the extent that your policy allows. But even if you don't have uninsured motorist coverage, you may still be covered under other parts of your policy.
But while you may be eligible for compensation, your insurance company may try to avoid paying you a fair amount. This is why it can be very helpful to have an attorney in your corner to work with your insurance company. The attorney can go over your policy and figure out how much you should receive and may be able to help you get the settlement you deserve.