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HANDLING AN ACCIDENT WITH UNINSURED DRIVER

Noticias

Car accidents occur on our roadways every day in Tampa. But, do you know what to do when an uninsured driver causes the accident? Yes, that’s correct we share the road with uninsured drivers. Even though, almost every state requires minimum liability insurance for your car.

As a matter of fact, the Insurance Research Council says 1 in 8 drivers in this country do not have auto insurance. That is the one person you do not want to have an accident with. Just in case, we put together some basic tips in case it happens.

Tips for after being hit by an Uninsured Driver

Imagine, you’re driving to work and you stop at a red light. You hear screeching tires and then you feel yourself thrown forward. Unfortunately, another driver just rear-ended you.

Once you have moved your cars to a safe area, you exit the car to assess the damages and talk to the other driver. Incidentally, your car is badly damaged and the at-fault driver doesn’t have insurance. However, you know to follow these tips:

  • Llamar a la policía - Llame siempre a la policía cuando tenga un accidente de tráfico. Ellos presentarán un informe del accidente. Y lo que es más importante, necesitará este informe cuando presente su reclamación.
  • Never Except Money – An uninsured driver knows they are facing substantial fines. Therefore, they may offer you money to avoid having the law involved. Don’t accept. It is too early to know how much your injuries will cost.
  • Intercambio de información - Aunque no tengan seguro, necesitarás sus datos de contacto y del vehículo. Además, deberás obtener los datos de contacto de cualquier testigo.
  • Documentar los detalles - Deberá anotar los datos del vehículo del otro conductor, la hora y el lugar del accidente, y el nombre del agente con el número de placa. Además, trata de documentar cualquier detalle que pueda ayudarte cuando presentes tu reclamación.
  • Tomar fotos – You should take pictures of the accident scene. Include photos of the damage to each car, the license plate of the other driver, and traffic signs.

UNINSURED MOTORIST CLAIM IN NO-FAULT STATE

In a “no-fault” state your insurance company will cover things like medical bills and lost wages regardless of fault. However, they will only cover up to the limits of your coverage. As for your auto repairs, you would need separate collision coverage.

In this situation, you could use your health insurance for your medical bills. Then you could use your collision coverage for repairs needed for your vehicle. However, you will be responsible for the deductibles and you can forget about any lost wages.

As a result, it would be beneficial for all drivers to carry uninsured/underinsured (UM/UIM) motorist insurance. It’s a good way to counter an otherwise terrible situation. So, if a driver that doesn’t have insurance hits you, your UM insurance will cover you. It’s relatively inexpensive, so buy as much as you reasonably can.

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Después de un accidente de coche, es posible que no conozca sus derechos. No luche por el proceso solo. Nuestro equipo de lesiones personales está aquí para ayudarle con cualquier necesidad legal que pueda tener en relación con su accidente.

Dejemos que RHINO Lawyers responder a sus preguntas y revisar los hechos de su caso con una consulta gratuita. Comience completando el formulario "EVALUACIÓN DE CASO GRATUITA INSTANTÁNEAMENTE" o llamándonos a cualquier hora, de día o de noche, al 844.329.3491.

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