While most states require a driver to maintain auto insurance coverage, there are some drivers who illegally operate a vehicle without the proper coverage.
If you have been involved in an auto accident that was caused by an uninsured motorist, you might be left wondering what to do and where to turn. You do have a way to get recourse, so consult with a personal injury attorney.
You should have auto insurance coverage yourself to adhere to state laws. If the other driver was uninsured, you will need to file a claim with your uninsured/underinsured insurance coverage. This specific coverage from your policy is designed to take care of these situations.
Of course, your policy will have a maximum payout, which can vary depending on your state laws and the coverage that you have purchased.
Pursuing An Uninsured Motorist Claim
You should consult with a personal injury attorney if you have been involved in an auto accident that led to property damages and/or physical injuries. These claims are challenging.
To pursue a personal injury claim to recoup the costs of your property damage, you will need to show your insurance company proof that the other driver was uninsured.
Sometimes this is on the police report because the other driver lacked proof of insurance and was charged with driving without insurance.
There are some situations where the driver might show proof of insurance at the accident scene and you might not learn until you pursue a claim that they weren’t insured.
Protecting Your Interests
If you are in an accident where you have suffered property damage, you should take photos of the accident scene and of the damages, if possible. You should take photos of your vehicle before repairs begin. If your vehicle must be towed, keep the tow bill.
Also, keep documentation and receipts for any rental car that you must used while your vehicle is inoperable. Be sure to get a written estimate for the repairs from a qualified repair shop. The insurance company will want to see an itemized calculation for fixing the damages.
Always file a police report. Even if there are no physical injuries and just property damage, call the police. Usually, they will come out to the accident scene to complete the report.
If they cannot come to the scene, ask about the process for filing the report and be sure to take care of that matter right away. The accident report is an integral part of any insurance claim after a motor vehicle accident.
Consult With A Personal Injury Attorney
If you have suffered property damages from an uninsured motorist, you should consult with a personal injury attorney. A lawyer will make sure you are treated fairly and that your damages are properly covered.
Accident injury lawyers work on a contingency basis, so you have nothing to lose.
Complete the Free Case Evaluation Form today so you can make sure you get your property damages addressed in a timely manner.
