What Should I Do If I’m Injured in a Car Accident by an Uninsured Motorist?
Handling an uninsured motorist is difficult already, but when you have an injury in the mix as well, many people don’t know what to do. Although it’s illegal to drive without insurance in Atlanta, Georgia and throughout most of the country, there are a few who don’t follow the law and take the risk.
So how do you handle this situation with as little stress as possible? There are many do’s, don’ts and extra precautions involved in these situations.
Never Take These Actions
It’s important to understand that even though you’re the one injured, many people who don’t carry insurance feel they have much more to lose than you do. That’s why you must handle these situations delicately.
Never do any of the following:
- Accept cash from the driver
- Confront the driver at the scene
- Admit fault
- Threaten the driver
Even threats of calling the police can make someone hostile. If you’re going to call the police, and you should, do it. Threats often lead to hostility, and if you wait for the other person to say they don’t have insurance, it seems directly related.
The same instance is possible if you confront the driver. When someone informs you that they don’t have insurance, accept their answer and move on to collecting their contact information.
Taking cash from the driver can leave you short-handed on both repairs and injuries. If you’ve never seen a medical bill before, count yourself lucky, but hardly anyone carries that much cash on them. If you accept cash, of any value, and then file an insurance claim, you are likely committing fraud.
Always Take These Steps
Most drivers on the road know the basic steps to take after a car accident. However, most people don’t plan on being in an accident that involves injuries, much less an accident where you are injured, and the other person is an uninsured motorist.
Always take these steps in this type of car wreck:
- Contact the police to file a report
- Inform the police that the other driver is an uninsured motorist
- Collect information on the other vehicle
- Collect contact information for the other driver
- Take a lot of pictures for evidence
- See a doctor immediately after
Because you sustained injuries during a car accident, you need to seek immediate medical attention. From the list above, medical attention is the most important. Then comes contacting the police. Although injuries don’t always present themselves right away after a car accident, you should still seek medical attention.
Many people feel fine after a car wreck in Atlanta, Georgia, but the next day they feel sore and stiff. Soreness is an indication of an underlying issue. Muscle damage, neck and back injuries are common after a car wreck.
Dealing with Insurance
When you’re injured in any car wreck, insurance companies become far more involved than usual. However, when the other driver is an uninsured or underinsured motorist, you have to be very clear when recounting the events.
Always explain to your insurance company that the other driver was underinsured or was an uninsured motorist. You also need to keep track of the dates you went to your doctor, urgent care or emergency room and keep the bills as well.
What Happens When I’m in a Car Wreck with an Uninsured Motorist or Underinsured Motorist?
In Georgia, Atlanta you’re required to have a certain level of coverage, so what happens when the other driver in an underinsured motorist? Pretty much the same thing as what happens when you’re in a car wreck with an uninsured motorist. Many people carry underinsured motorist or uninsured motorist coverage as part of their car insurance.
When you sustain injuries during a car wreck in Atlanta, Georgia the first thing the insurance companies are going to investigate is who was at fault. If you’re not-at-fault and the other driver is an uninsured motorist or underinsured motorist in Atlanta, Georgia you might need a lawyer.
Insurance companies will try to deflect any medical bills or cost of damages when the other driver is uninsured. If you don’t hold underinsured or uninsured motorist coverage, your insurance company will likely inform you that you’re on your own.
When to Contact a Lawyer for Car Wrecks in Atlanta, Georgia
If the other driver is at fault and the driver is an underinsured or uninsured motorist, you need the help of an attorney. Whether you have underinsured motorist or uninsured motorist insurance, you’ve sustained injuries at no fault of your own.
An attorney can help you organize your medical bills, set up court dates, and deal with your insurance company so you can recover from your injuries in Atlanta, Georgia! Contact the Bethune Law Firm today to schedule an appointment and review your options.