How to Deal with an Accident with an Uninsured Driver
Accidents are unpredictable. It can happen anytime. You can file a case against the driver and claim insurance. But, what if the driver is not insured and he or she causes the accident? It is the law for all cars in the U.S., to have insurance, but there are many drivers who do not comply with this. UM coverage is a part of car insurance that would have your back when you are hit by an uninsured driver and covers the damage. You have to contact a personal injury lawyer in OKC to handle such a situation.
Here are some tips which are important to do on your part:
It is important to get as high as possible UM insurance. If an uninsured driver hits you and you become injured, the huge medical costs will become a burden for you. This is the reason why you need UM coverage to support you in the crisis.
Even if it is a minor accident, it is important to call the police. If they get notified about it, it will be easy to deal with the insurance companies for the claim.
It will help if you have the name and license plate number of the driver. You can just take a picture of the number plate. It is not possible to gather insurance information any other ways as the driver is not insured.
Take pictures of everything surrounding the accident, so that you can have evidence of the place where the accident occurred and the scene after the accident.
Even if the injuries are not serious, you should get treatment or at least looked over. The objective is to get examined by a doctor. It can be presented as evidence and also, apparent minor injuries can create bigger problems in the future.
Within 30 days of the accident, you have to file a claim with the insurance company. If the driver is uninsured, the UM coverage will save you.
Even if you get the claim, you should report the uninsured driver. The more uninsured drivers there are on the road, the more risky it is for everyone else. In this case, either the driver has to show proof of insurance within 30 days or their vehicle registration will be lost.
But before everything else, you should call a personal injury lawyer in OKC to follow the correct procedures. Come to us at The West Law Firm to get a proficient lawyer who has huge experience in helping people in such situations. We are always there to help you out.
** Disclaimer: The above article does not imply a relationship between attorney and client, nor is it legal advice.