What To Do If The Other Driver Has No Insurance
You are a careful driver. You turn on your blinkers when you change lanes. You never drive faster than the posted speed limit. And you still got into an accident – but the other driver was at fault. Since you did not cause the accident, the other driver’s insurance carrier should pay for your damages. That is true – unless the other driver either does not have insurance or does not have enough coverage.
If you live in a no-fault state like California, you may have legal rights to sue the uninsured party who caused the accident. In such cases, it is in your best interest to hire an experienced Los Angeles car accident attorney to protect your rights.
Uninsured and Underinsured Motorist Coverage Option
When you are involved in an accident with a motorist who does not have car insurance, you may turn to your own insurance carrier for compensation. Uninsured and underinsured motorist insurance is an additional coverage that you may add as part of your policy to protect you when faced with an uninsured or underinsured motorist.
What To Do If You Are Dealing With an Uninsured Driver
Being involved in an accident with an uninsured driver means that you have to take extra precautions and steps to prepare for an insurance claim. Below are some important steps to take:
-Call the police. It is always a good idea to call the police to the scene of an accident. A police report will ensure an accurate record of the accident, especially when the other party is uninsured.
-Exchange detailed information. It is very important to get all pertinent information for the other driver.
-Get information for any witnesses to the accident. Witnesses are very important in determining fault in an accident – especially in accidents where the facts are not definite. As such, you should make sure to get the contact information of anyone who witnessed the accident.
-Contact your insurance carrier. If you have uninsured motorist protection, it should cover your damages.
-Call an attorney. Even if you have uninsured motorist protection, it is still important to hire an aggressive accident attorney. Despite what most car accident victims think, your own insurance company is not on your side. The only thing insurance companies care about is their pocket.
Call a Los Angeles Car Accident Attorney Today!
The legal team at the Law Offices of Samer Habbas is dedicated to helping our injured clients reach the best monetary settlement when they are involved in any type of accidents.
If you or a loved one has been injured in an accident, our experienced Los Angeles car accident attorneys are available to personally review your case. Call us at 1-888-848-5048 to schedule a free, complimentary consultation with our legal team today.