If you’ve been in an accident and are wondering about the insurance claim settlement process and timeline, you’re not alone. Everyone involved in the incident wants to know how long it will take to work through the paperwork, phone calls, and added headache of resolving issues around damaged vehicles, insurance, and healing from injuries. It […]
Car Accident Settlement Without Insurance
Here are some steps to take after your car accident to increase your chances of collecting compensation from the driver who was at fault. If you have no insurance, you can still collect compensation. Read on to learn how to get the best deal.
What insurance is available to pay for your injuries depends on several factors. The primary insurance is the insurance for the car that hit you. The second insurance is the driver’s insurance. The third source of insurance is typically the Under Insured Motorist coverage for the driver, owner, or passengers of the vehicle that was hit. If either of the vehicles is owned by a corporation or an individual with umbrella insurance, those may also be accessed.
In order to determine coverages, you have to get in touch with the other driver's insurance company. If you didn't get the information you needed from the other party, you'll need to contact them to make a claim. Our clients leave that process to us. That’s one advantage to hiring a law firm, you don’t have to spend your time tracking down insurance and setting up claims.
Steps to take after a car accident
After a car accident, you should exchange contact information with the other driver. Do not exchange cash. Instead, contact the police and have them come to the scene. Both parties will provide insurance information and other info, such as your driver's license number, license plate number, and the make, model, and color of your car. After the accident, it is important to check your vehicle for damage and potential fire hazards.
Document your car accident. Even if the accident is just a minor fender-bender, you should take pictures of the scene. You should also take photos of the other driver's car as well.
You must also determine the extent of your injuries. If you suffered neck or back injuries, they may not be apparent right away. If those types of injuries do occur, medical bills and lost wages can be considered as part of the compensation. Medical expenses include ambulance rides, doctor/surgeon fees, adaptive equipment, prescriptions, physical therapy, and other expenses that resulted from the accident.
If the other party was at fault in the accident, you can seek compensation from the at-fault driver's insurance company. You can file a claim by filing a lawsuit, if the other driver doesn't have insurance, you can pursue the claim against your insurance. Your insurance can then pursue the other individual to pay them back for the expenses. If you have been injured in a car accident caused by an uninsured driver, the first thing you need to do is see a doctor. The next thing you should do is contact the attorneys at Rosensteel Fleishman for a consultation regarding the best practices for preserving your claim.
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