Being involved in a car accident is stressful enough, but when the at-fault driver is uninsured, it can add another layer of complexity to an already challenging situation. If you find yourself in this predicament in New York, here's what you need to know and do:
1. Call the Police
Always call the police after an accident, especially when dealing with an uninsured driver. A police report will be crucial for your insurance claim and any potential legal action.
2. Gather Information
Even if the driver is uninsured, collect as much information as possible:
- The driver's name and contact information
- Vehicle make, model, and license plate number
- Contact information of any witnesses
- Photos of the accident scene and vehicle damage
3. Seek Medical Attention
Your health should be your top priority. Seek medical attention even if you feel fine, as some injuries may not be immediately apparent. This also creates a medical record of your injuries, which is important for any future claims.
4. Contact Your Insurance Company
Inform your insurance company about the accident as soon as possible. In New York, your car insurance policy includes Personal Injury Protection (PIP) coverage, which can help cover your medical expenses regardless of who was at fault.
5. Check Your Uninsured Motorist Coverage
Review your insurance policy for Uninsured Motorist (UM) coverage. This coverage is mandatory in New York and can help pay for your damages when the at-fault driver is uninsured.
6. Consider Legal Action
While it may be challenging to recover damages from an uninsured driver, it's not impossible. An experienced car accident lawyer can help you explore your options, which may include:
- Filing a lawsuit against the uninsured driver
- Investigating whether other parties may be liable
- Negotiating with your own insurance company for a fair settlement
7. Be Cautious of Quick Settlements
Avoid accepting a quick settlement offer from your insurance company without first understanding the full extent of your injuries and damages. Once you accept a settlement, you typically can't ask for more money later.
8. Document Everything
Keep detailed records of all accident-related expenses, including medical bills, lost wages, and any out-of-pocket costs. This documentation will be crucial for your insurance claim or potential lawsuit.
Being hit by an uninsured driver in New York can be a complicated and frustrating experience. However, by taking the right steps and seeking proper legal guidance, you can protect your rights and increase your chances of receiving fair compensation.
If you've been involved in an accident with an uninsured driver, consider reaching out to a New York personal injury attorney who can guide you through the process and help you understand your options.
