When you get into a car accident the situation is usually handled in a pretty straightforward manner, if both of you have car insurance. But, if you have insurance and the negligent driver does not, the situation can become a little more complicated; especially if there is damage to your vehicle or you sustained injuries from the car accident.
So, who pays for injuries that have resulted from the crash? The simple answer is that the at-fault driver is still responsible for any damages or injuries caused in the car accident. Although, there are a few steps that need to be taken to have the best chance at getting the money you need from them, since you cannot go through their insurance.
Options to Receive Compensation
You have two options to receive compensation for your injuries, depending on the coverage that you have.
Uninsured/Underinsured Motorist Coverage
Most insurance policies encourage drivers to select the uninsured or underinsured motorist coverage on their policy, and depending on the state you live in, it may or may not be a requirement. Uninsured and underinsured motorist coverage will cover expenses, like damages and injuries caused by the accident, when the other driver does not have insurance or their policy is not enough to cover your expenses. This coverage on your policy can help you get all your expenses paid.
If you do not have this coverage on your policy, you can take one more option to receive compensation for your injuries from the at-fault driver.
File a Lawsuit
Unless you and the driver have agreed on payment options for the accident expenses, you may want to try filing a lawsuit to get what you are owed. If your injuries are extensive, you will want to make sure that you get compensation because treatment can be expensive, and if you are left with a temporary or permanent disability, it can be even more costly. The attorneys of https://1800injured.care/car-accident/fort-lauderdale-attorney/ recommend hiring a skilled lawyer if you choose to file a lawsuit for your injuries. A lawyer is essential because there are several steps to take in this process, and a lawyer will help make sure you do not miss anything.
There are a few steps you can take to help your lawyer with your lawsuit after getting into a car accident.
Steps to Take After An Accident
1) Call 911
You’ll want to make sure that you call the police. The reason to do so is so that the police will file a report. The police report will describe who was in the accident and what happened to cause the accident.
2) Seek Medical Attention
If you have sustained injuries due to the accident, you will need to seek medical attention at the accident scene, at an emergency room, or in an appointment with your doctor. Not only is this essential for your health and wellbeing, but it will help to prove that your injuries resulted from the accident. Therefore, whether you feel hurt or not, be sure to seek medical attention.
3) Gather Information & Pictures
Even though the other person is not insured, you will want to get their driver’s license information. You will also want to take a picture of their license plate and photographs of the damage to your vehicle and theirs. A great rule of thumb is to take a picture of all four sides of your car and the other driver’s car.
4) Get Witness Testimony
Another great form of evidence to have in a lawsuit is witness testimony. If anyone saw the accident happen, be sure to get their contact information and see if they are willing to testify. This type of evidence can help prove your innocence in a car accident lawsuit.
Of course, filing a lawsuit to get compensation for injuries is not ideal, but you deserve to get the help you need when an accident is not your fault.