It is a good idea to speak with an experienced attorney as soon as possible after a car accident to ensure your legal right to compensation is protected right from the start.
Imagine you’re in a car accident where your vehicle, and possibly your health, sustain significant damages. Now imagine that the other driver was and fault and does not have car insurance. Because this is such a lousy situation, legislation has been passed to lessen the likelihood of it happening. That legislation requires drivers to have a car insurance plan that covers damages that they cause. Unfortunately, there are still some people in St. Louis that drive without it. The good news is that this issue is not as frustrating as it seems, and is even easier if you speak with a St. Louis car accident attorney.
The first steps you must take are the same as any other car accident. First, make sure your health is in a manageable state. If you need to go to the hospital, then do so. If you are well enough to delay medical treatment, then move on to gathering evidence and information. This will entail taking pictures of the scene, writing down license plates, exchanging contact information, and documenting damages to all vehicles involved. Even if you do not go to the hospital, it is a good idea to see your doctor soon after the accident.
Call the Police
You should call the police after any auto accident, but especially if the other driver does not have insurance. A driver without insurance can be tough to get a hold of after your accident. They can even be scared on the scene and try to falsify their contact information. For this reason, it is important to get the police involved. They will find out who the other driver is and have a report of the incident on file for you to later use.
Will I Be Covered?
The good news about these types of situations is that in all likelihood, your insurance company will completely cover your damages. These events are so common that there is even a name for the coverage of them. It is called uninsured motorist coverage (UIM). Given the nature of Missouri state law, your insurance company must provide UIM coverage. If you’d like, this is something that you can confirm with your provider by calling them.
Filing a Lawsuit
Sometimes the compensation you receive from your insurance company doesn’t entirely cover the damages you sustained. In this case, you can pursue a lawsuit against the other driver. If you have not obtained a lawyer at this point, it is now a good idea to do so. Once you do, your attorney can tell you what goes into a lawsuit like this, your chances of winning, and how to proceed.
Getting into an accident with a driver that doesn’t have insurance seems like a disaster, but it doesn’t necessarily have to be. Once you finish getting medical treatment, gathering evidence, obtaining contact information, and calling the police, you can move on the legal and financial aspect. It is a good idea to speak with an experienced attorney as soon as possible after a car accident to ensure your legal right to compensation is protected right from the start.