After an Accident
“I’m an excellent driver.” That line from the film “Rainman” echoes in the majority of our heads. We are all convinced that we’re good drivers, and if we are ferrying our kids to school, soccer practice, or to grandma’s, we are more attentive than ever. There is nothing we moms and dads would not do to stop our precious kids from joining that tragic number.
Researchers in the automobile insurance industry estimate that the average driver might need to file an auto crash claim once every 19 years. It is always good when the accident isn’t your fault, but if the at-fault motorist does not have auto insurance, the aftermath could be catastrophic. Here are five things every carpooling mother should know if involved in a car accident with an uninsured driver.
1. Call the Police Instantly
Calling the authorities after any auto accident is a bright idea. In some circumstances, however, drivers will evaluate the damage as “just minor,” decide to forgo calling the authorities and choose, instead, to simply swap information and proceed. After all, who has time to await the police? Without a police report, a man or woman is left with just the guarantee that the uninsured motorist will honor their obligation.
It’s always wise to take down information from witnesses to the collision, but in an accident with an uninsured driver, it’s crucial. If you’re in this incident, it is almost a given that the episode is going to end up in court. When in court, it is important to get as much proof as possible. The weight of that evidence will go far in swaying the jury or judge to your side, and might help convince them that it actually was the uninsured motorist who was responsible.
Rarely is legal counsel as vital as in the case of accidents with uninsured drivers You will need one with a good history of expertise in accidents with uninsured motorists. A trip to kellislaw.com will introduce you to a legal team which may make recovery from this kind of harm much easier. It may be tricky to compel an uninsured motorist to pay fines and penalties even after the court rules against them. A lawyer will know the specific measures to maintain your area to guarantee payment.
4. Contact Insurance Provider
The best case scenario for a driver who’s struck by an uninsured driver is to get their own insurance firm cover the damage. Lamentably, this is not always true. You’ll need comprehensive or uninsured motorist coverage if you would like to get reimbursed for the expenses associated with your accident. Even if you don’t have comprehensive or uninsured motorist policy, you still need to contact your agent. Filing a claim will produce an official record of the injury with the insurance provider, and this legal paper-trail may be convenient if the tables are turned and you’re blamed for the collision, or if your insurer attempts to increase your rates, despite the fact that the accident wasn’t your fault.
It’s an unfortunate truth that if somebody does not have comprehensive insurance and is struck by an uninsured motorist, they will probably have to cover several bills out of pocket. It’s a fact that these costs could be reimbursed afterwards, but they will have to be handled personally and expeditiously for the near future. A sensible preemptive move is to get good medical insurance, for you and your children, if an injury occurs, in addition to comprehensive car insurance.
There usually is not a fast fix to work out such a calamity. Understanding your rights, having appropriate insurance, medical, and legal coverage, and planning ahead may alleviate some of their stress and pain of the entire ordeal. Happy travels!