Car accidents involving uninsured drivers can be particularly unsettling. To start, you may wonder how you will be compensated. Unfortunately, these situations are more common than you think, but there are steps to take to protect your rights.
What Should I Do Immediately After a Car Accident With an Uninsured Driver?
Immediately after a car accident with an uninsured driver, prioritize everyone’s safety by checking for injuries and moving to a secure location if possible. Contact the police to report the accident and gather vital information from the other driver, including their name, contact details, and vehicle registration.
Document the scene by taking photos of the accident, vehicle damage, and road conditions. Try to collect contact information from any witnesses present, as their testimony may support your case.
Can I Still File a Claim If the Other Driver Has No Insurance?
Yes, you can still pursue compensation even if the other driver lacks insurance coverage. One option is to use your uninsured motorist coverage, which is typically included in your own insurance policy. This coverage can help reimburse medical expenses, lost wages, and other damages resulting from the accident. File a claim promptly with your insurance company, making sure you understand any policy limits and exclusions that may apply.
How Does Uninsured Motorist Coverage Work?
Uninsured motorist coverage serves as a safeguard in situations where the at-fault driver is uninsured. It enables you to seek compensation for damages directly from your own insurance provider. Coverage details often include medical expenses, lost income, and other accident-related costs. Consult your insurance policy and read about the extent of coverage available to you.
What If the Uninsured Driver Disputes Liability?
In cases where an uninsured driver disputes liability for the accident, collecting and presenting compelling evidence becomes critical. Gather evidence, such as witness statements, photographs of the accident scene, and official police reports to support your claim.
This may be the right time to seek legal counsel from a car accident attorney who can provide guidance and representation. An attorney can negotiate with insurance companies or the uninsured driver on your behalf, potentially facilitating a settlement that covers your damages and protects your rights.
How Can an Attorney Help Me After a Car Accident With an Uninsured Driver?
An attorney with car accident case experience can offer invaluable assistance. They possess a deep understanding of state laws pertaining to uninsured drivers and can provide tailored legal advice.
Attorneys also advocate for your rights and interests, whether through negotiation with insurance companies or litigation in court. Their goal is to maximize the compensation you deserve for medical expenses, vehicle repairs, lost wages, and other accident-related losses.
How Do Pennsylvania Driving Laws Apply to Uninsured Drivers?
These laws can have an impact on your claim:
- Financial Responsibility: Pennsylvania law requires all drivers to carry a minimum amount of liability insurance coverage.
- Penalties for Uninsured Drivers: Operating a vehicle without insurance in Pennsylvania can result in fines, license suspension, and vehicle impoundment.
- Legal Ramifications: Uninsured drivers may be held personally liable for damages and injuries resulting from accidents they cause.
An Experienced Philadelphia Car Accident Lawyer at McCann Dillon Jaffe & Lamb, LLC Can Advise You on an Accident With an Uninsured Driver
Facing the aftermath of a car accident with an uninsured driver can be overwhelming, but a knowledgeable Philadelphia car accident lawyer at McCann Dillon Jaffe & Lamb, LLC can provide a free consultation. To learn more, submit our online form or call our Philadelphia and Abington, Pennsylvania, and Wilmington, Delaware, offices at 215-569-8488. We serve clients in the surrounding areas and look forward to hearing from you.