You rely on insurance to offer support after a crash. If the other driver does not have insurance, though, it can leave you wondering whether you will have what you will need to recover. If you find yourself in this situation in Santa Rosa, understanding your rights and the steps to take can make a significant difference in the outcome.
What should you do to protect your rights after a collision with an uninsured driver?
It is crucial to take the right steps after a crash, especially if the other driver does not have insurance. Some steps to take include:
- Ensure safety first: Check for injuries and move to a safe location if possible. Call 911 for medical assistance if needed.
- Keep a record of the scene: Take photos of where the accident occurred and any property damage or injuries. Collect witness information if available.
- File a police report: Always report the accident to the police. A police report is crucial for any future claims.
- See a doctor: Even if you don’t feel injured, it’s wise to get a medical check-up.
- Notify your insurance company: Report the accident to your insurance company as soon as possible. If you have uninsured motorist coverage, this will be particularly important.
- Review your insurance policy: After the incident, review your insurance policy to understand your coverage. Consider adding uninsured motorist coverage if it’s not already included, to safeguard against future incidents.
These steps can help ensure that you are protected and can pursue any claims or actions necessary following the collision.
What options do you have when the other driver does not have insurance?
While you will not have support through the other driver’s insurance, you can still get financial support as you recover from your injuries. Some sources of financial support include:
- Uninsured motorist coverage: California requires insurance companies to offer uninsured motorist coverage. If you have this coverage, it can compensate for medical expenses, property damage and other losses.
- Personal Injury Protection (PIP): If you have PIP coverage, it can cover medical expenses and lost wages, regardless of who is at fault.
- Health insurance: Your health insurance can cover medical expenses after a collision.
- Suing the uninsured driver: You have the legal right to sue the uninsured driver for damages.
It can be difficult to know what options are available in your situation. A personal injury attorney can help you explore your options and ensure you receive fair compensation. They can also negotiate with the insurance company and fight for your rights in a lawsuit against the uninsured driver if necessary.
Even if the other driver is uninsured, you can get financial support
Accidents involving uninsured drivers can be complicated, but knowing your options can help you handle the situation more effectively. With the right information and guidance, you can protect your interests.