An uninsured driver hit me. Now what?

Nobody anticipates the day they'll get into a car accident. However, every year in the United States, over 2.3 million people are injured in car crashes.

The reality is that for every five drivers on the road, one doesn't have any insurance. It is in the best interest of you and your family to learn what critical steps to take following an accident. Following these steps will help you have a better chance of getting fair property and medical compensation.

Call the police and file a report

Immediately after a car accident, you should call the police and an ambulance in the case of serious injury.

Drivers involved in an accident, especially if they don't have insurance, may try to pressure you into not calling the police or to say the accident was your fault. It's important that you don't cave to the pressure, according to Citizens Advice.

Even if the other driver proves uncooperative, "get the details of any independent witnesses," continues Citizens Advice. "If someone refuses to give you their details, your insurer may be able to trace them through their vehicle registration number."

Don't engage the other driver in an argument or admit fault by apologizing. Wait for the police to arrive and leave the investigation to them.

Take photos and document the accident

While you wait for the police, take pictures of your car and the scene with your phone or a digital camera.

Since accidents can be traumatic, you may be shaken up after. Plan ahead and keep a car accident checklist  with your vehicle registration and insurance information in your car. Even when you're dazed, the checklist will remind you what type of information you should collect and document at the scene of the accident.

Get documented medical care

Many people delay or don't seek medical attention if they don't feel seriously injured or see blood, and that is a serious mistake.

Often, adrenaline and other hormones released during the emergency situation will mask pain and injuries. Injuries can manifest days later or even cause problems for months or years, according to Dr. Mahmoud M. Salam at the King Abdullah International Medical Research Center.

In fact, even if you experience something as mild as a headache after the accident, you should seek medical advice to determine if you sustained a concussion or another serious injury. With all injuries, including common ones like whiplash, you should document miles driven to doctor appointments, copays, time lost at work and any communication your doctor has with you about your injuries and treatment.

Check in with your insurance company

During the post-accident process, communicate with your insurance company about filing your claim and the way they recommend documenting your case. Because uninsured drivers are such a problem and leave the other motorist to pay for the brunt of the accident, many lawyers and financial planners recommend buying uninsured motorist insurance.

"We recommend adding ‘Uninsured Motorist’ coverage to your policy. On most policies, $500,000 in coverage costs less than $100," according to accident lawyers at Goodman Acker PC.

If your insurance is fighting against you and telling you that they won't pay for your medical costs or car damage, then it's time to contact an experienced attorney to talk about the details of your case.

Talk to a personal injury lawyer

Especially if you don't have extra auto insurance coverage, having an accident with an uninsured driver can cause expensive gaps in your auto and medical payouts.

To consult with trusted attorneys who specialize in Michigan auto accidents about your situation, call Goodman Acker PC.


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