How To Deal With Uninsured Vehicle Accidents?

Accidents generally result in injuries and damages. Most accident victims encounter minor to significant injuries depending on the accident’s severity. While dealing with an accident can be simple in some cases, it could become complicated when an accident involves an uninsured vehicle.

Dealing with uninsured vehicle accidents can be frustrating and tiring for victims. As a result, the victims must hire a Rochester personal injury lawyer as they can help reduce the burden and complications of the accident. It would also help if you knew how to deal with an uninsured vehicle accident. 

How should you deal with an accident that involves an uninsured car?

  • Assess the situation

The first thing you should do after an accident is to take a deep breath and try to remain calm. Check for any injuries, and call for medical assistance if necessary. If it’s safe to do so, move your vehicle out of the way of traffic to avoid causing further accidents.

  • Document the accident 

It is essential to gather as much evidence as possible about the accident, including photos of the damage to both vehicles, the location of the accident, and the names and contact information of any witnesses. This information can help prove who was at fault in negotiating a settlement with the other driver

  • Contact the police

It is vital to reach out to the police no matter how minor the accident may appear. The police will create a report of the accident, which can help settle insurance claims or disputes.

  • Exchange information with the other driver

Ensure to get the other driver’s name, contact information, and insurance information (if they have it). Getting the other vehicle’s make, model, and license plate number is also a good idea.

  • Notify your insurance company

Even if the other driver was uninsured, you should still notify your insurance company about the accident. Your insurance company can offer some coverage for damages, depending on your policy and the specifics of the accident.

  • Consider uninsured motorist coverage. 

If you do not already have uninsured motorist coverage, consider adding it to your insurance policy. This type of coverage can help cover damages if you are involved in an accident with an uninsured driver.

  • Keep track of your expenses.

If you do incur costs due to the accident, it is essential to keep track of your expenses, including medical bills, repair costs, and any lost wages. This information can help you negotiate a settlement with the other driver or your insurance company.

  • Consider hiring an attorney.

If the other driver is uninsured and cannot reach a settlement with them, consider hiring an attorney in Rochester to help you pursue legal action. An attorney can advise you on your options and help you navigate the legal process.