When a person is the victim of a car accident they need to get down as much information as they could. They should get the contact and insurance information of the other party especially if the other party was at fault. There are some cases when the other motorist will not have insurance. They should contact an uninsured motorist defense attorney for advice on how to do it.
Uninsured Motorist Insurance
When a person purchases their car insurance policy they may need to get uninsured motorist coverage. In some states this is mandatory. This covers will allow a person to file a claim if they are hit by another driver that does not have care insurance. If a person does not have car insurance they will often not have enough money to settle a personal injury claim. A person will need to use their own insurance company under this coverage so they can get compensation. If a person lives in a state where this coverage is not required it is a good idea to add it on to their policy. It is impossible to tell which drivers are on the roads and are not carrying car insurance
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Making the Claim
If a person believes that the other driver does not have insurance they should contact their insurance company. They will need to tell the company they may need to file an uninsured claim. They should contact the insurance company as soon as possible. If they cannot get the insurance information of the other driver this will need to be brought to their attention.
Making the Claim
After this claim is made a person may need to wait a long time before they see a resolution. They will need to receive medical treatment and provide the insurance company with the reports. They will also need to contact an uninsured motorist defense attorney. The lawyer will work with the insurance company to help make the claim and make sure all documentation for this claim is given to the insurance company.
Progression of the Claim
The claim will be processed similarly to other claims. The difference, in this case, is that the claim is against a person’s own insurance company. They will need to have their claim investigated, allow the insurance company access to any medical treatment they needed as a result of the class, and if possible get statements from witnesses. There is a big difference in this claim. If a person cannot agree on a fair settlement with their insurance company they are not able to file suit against the insurer.
Next Step
If a person is not happy with the settlement offer they can tell their lawyer and submit a claim to take the insurance company for binding arbitration. At this hearing, a neutral arbitrator will listen to the evidence from the victim and the insurance company. They will then decide as to which side is correct. The losing side has a limited right when it comes to appeals. If a person does not win in this process they need to accept the decision and the compensation from the insurance company.
Being in a car accident can be a traumatic experience. It is worse if the other party does not have insurance. If the driver at fault does not carry car insurance they are in trouble with the law. The victim will need to file a claim with their own insurance company and hope that they get a fair settlement.