What Should I Do If the Driver Who Hit Me Doesn’t Have Insurance?
Being involved in a car accident is stressful enough without discovering that the driver who caused the crash does not have auto insurance. Unfortunately, uninsured drivers are involved in accidents every day, leaving injured people wondering how they will pay for medical bills, vehicle repairs, and other losses. If you have been hit by an uninsured driver, there are several important steps you should take to protect your rights and explore your options for compensation.
Report the Accident
Always report a serious car accident to law enforcement. A police report can provide valuable documentation about what happened, including information about the other driver, the vehicles involved, witnesses, and the circumstances surrounding the crash. If the other driver does not have insurance, make sure that information is documented in the report.
Seek Medical Attention
Even if you feel relatively well immediately after an accident, consider getting evaluated by a medical professional. Some injuries, including certain back, neck, and soft-tissue injuries, may not produce noticeable symptoms right away. Prompt medical attention also creates documentation connecting your injuries to the accident.
Keep copies of medical records, bills, prescriptions, receipts, and other expenses related to your injuries. This documentation can become important when pursuing compensation.
Check Your Own Insurance Policy
If the at-fault driver does not have insurance, your own auto insurance policy may provide coverage through uninsured motorist (UM) protection. Depending on your policy and the circumstances of the accident, UM coverage may help pay for certain losses resulting from injuries caused by an uninsured driver.
You should review your policy carefully and notify your insurance company about the accident. Be cautious when giving recorded statements or signing documents before you understand your rights and the coverage available to you.
Document Your Damages
Keep detailed records of everything you have lost because of the accident. This may include medical expenses, lost wages, property damage, transportation costs, and other accident-related expenses. You may also be entitled to compensation for certain non-economic damages, depending on the applicable law and circumstances of your case.
Photographs of the accident scene, vehicle damage, visible injuries, and other relevant evidence can also help establish what happened.
Contact Dallas Attorney Brian Brunson for a Free Consultation
An uninsured driver does not necessarily mean you have no legal options. We can review the accident, examine your insurance coverage, investigate whether other sources of compensation may exist, and help determine how to pursue your claim. Insurance claims involving uninsured motorists can involve specific policy requirements and legal issues. Taking action promptly can help preserve important evidence and protect your ability to seek compensation.
Named one of the “Best Car Accident Lawyers in Dallas” by Expertise.com, Brian Brunson is Dallas personal injury attorney who is dedicated to helping clients who have suffered a car, truck, or motorcycle injury through the negligent or wrongful conduct of other drivers. In addition, his professionalism is unmatched and the firms’ client reviews speak for themselves.
We proudly serve the Dallas-Fort Worth metroplex and surrounding areas, our office supports the legal needs of a wide variety of clients. Let the Law Office of Brian Brunson be your advocate in your time of need and help you put your life back together. If we can’t win or settle your case, you don’t pay a dime! We know it can be daunting to take that first step after you’ve been hurt. Contact Brian Brunson today via email or call us toll-free at 1-844-41-WRECK. We can help, when no one else will.
