What should I do if the other driver was uninsured or underinsured?

If you're involved in a car accident and the other driver is uninsured or underinsured, it can complicate matters when it comes to seeking compensation for damages and injuries. However, if you have uninsured motorist coverage, you can pursue compensation by filing a claim with your insurance provider.

What Are My Options for Pursuing Compensation After a Car Accident With An Uninsured Driver?

If the other driver involved in an accident is uninsured or underinsured, you may still have options to seek compensation for your injuries and damages. One of the primary courses of action is to file a claim with your own insurance provider.

After the accident, collect as much information as possible at the scene. Get the other driver's contact information, license plate number, and any available details about their insurance coverage. Take photos of the accident scene and any damage to the vehicles.

Contact the police and report the accident, even if the other driver is uninsured or underinsured. The police will create an official report, which can be useful for insurance purposes and any potential legal actions.

Next, contact your insurance company as soon as possible to report the accident. Inform them that the other driver involved is uninsured or underinsured. Your insurance policy may include uninsured/underinsured motorist coverage (UM/UIM), which can provide compensation for your injuries and damages in such situations.

To recover compensation for the auto accident, you must work with your insurance company to file an uninsured/underinsured motorist claim. This claim is designed to provide coverage when the at-fault driver lacks insurance or has insufficient coverage to fully compensate you for your losses.

You will need to cooperate with your insurance company during the claims process. Provide them with all relevant information, including police reports, medical records, and documentation of your injuries and damages.

What Should I Do If the Insurance Company Refuses to Pay the Compensation I Deserve?

If the claims process becomes complex or your insurance company is not providing a fair settlement, consider consulting with a car accident lawyer experienced in handling uninsured/underinsured motorist claims. An attorney can advocate for your rights, negotiate on your behalf, and help ensure you receive the compensation you deserve.

Contact Us Today

If you were involved in an accident that was not your fault, contact a car accident lawyer at MVP Accident Attorneys as soon as possible. We offer free consultations where you can discuss your case, learn about your legal rights and options, and find out how we can help. Contact us today to learn more.