At Schierer & Ritchie, LLC, we understand the complexities of these situations and are here to guide you through the process.
Being involved in a car accident is a stressful experience, but it becomes even more challenging when the at-fault driver is uninsured. Schierer & Ritchie, LLC helps people who were the victims of car crashes. We have experience helping people who find out that the person who caused the accident has no insurance. Fortunately, if you have uninsured motorist (UM) coverage as part of your auto insurance policy, you can still seek compensation for your damages.
Our experienced team can guide you through the legal process, help you understand your rights, and work tirelessly to ensure you receive the compensation you deserve.
1. Get Medical Attention
Anytime you or someone else is hurt in an accident, you must immediately seek medical attention. This could mean life or death. Even non-life-threatening injuries need immediate medical attention. Don’t wait. Get medical attention and let the professionals know everything that feels wrong after the accident. Make all of your appointments. Never miss a follow-up or physical therapy appointment.
2. Check Your Insurance Policy
The lawyers at Schierer & Ritchie, LLC can help you review your auto insurance policy to confirm that you have uninsured motorist coverage. This coverage protects you in situations where the at-fault driver lacks insurance. UM coverage typically includes compensation for medical expenses, lost wages, pain and suffering, and property damage, depending on the specifics of your policy. Understanding the limits and exclusions of your coverage will give you a clear idea of what to expect from the claims process.
3. Report the Accident to the Police
It’s essential to report the accident to the police immediately, even if the other driver is uninsured. A police report serves as an official record of the incident, detailing the circumstances of the crash, the parties involved, and any citations issued. This report will be a critical piece of evidence when filing your uninsured motorist claim, as it helps establish fault and supports your account of the accident. This is important and required if the at-fault driver flees the scene before you can get their information. If the responsible party drives away, try to recall as much as you can to describe the car that hit you and the driver.
4. Notify Your Insurance Company
After ensuring your safety and reporting the accident to the police, you should notify your insurance company immediately. Inform them that the at-fault driver is uninsured and that you intend to file an uninsured motorist claim. Most insurance companies require prompt notification of an accident, typically within 24 hours, to ensure the claim process begins smoothly.
When contacting your insurer, provide them with all relevant details about the accident, including the police report number, the other driver’s information, and any witness statements. Be honest and thorough in your account of the incident to avoid any potential issues with your claim later.
5. Document Your Damages
To support your uninsured motorist claim, you must document all damages resulting from the accident. This includes:
- Medical Records: Keep detailed records of any medical treatment you receive, including doctor visits, hospital stays, medications, and rehabilitation. Obtain copies of medical bills, diagnosis reports, and any other relevant documentation that reflects the extent of your injuries.
- Property Damage: Take photographs of the damage to your vehicle and any other personal property affected by the accident. Obtain repair estimates or receipts for any work already completed.
- Lost Wages: If your injuries have caused you to miss work, document the time you’ve missed and provide proof of your lost wages. This can include pay stubs, tax returns, or a letter from your employer.
- Pain and Suffering: While more challenging to quantify, you can also seek compensation for pain and suffering. Keep a journal detailing the physical and emotional impact of the accident on your daily life.
We Will Work with Your Insurance Company and Request Arbitration if Necessary
Once you’ve filed your claim, your insurance company will assign an adjuster to your case. The adjuster’s role is to investigate the accident, assess the damages, and determine the compensation you are entitled to under your policy. Cooperate fully with the adjuster, providing all requested documentation and answering any questions. It’s important to remember that the adjuster works for the insurance company, so their goal is to settle the claim efficiently and cost-effectively. You should follow the advice of your lawyer. Your insurance company may want a statement or additional documents to prove your damages. If you feel that the settlement offer is too low, you have the right to negotiate or even request an arbitration on a fair payout under the policy. Be prepared to present additional evidence or documentation to support your case.
Filing an uninsured motorist claim after being the victim of a car crash can be daunting. Call the law firm of Schierer & Ritchie, LLC immediately if you have been the victim of an uninsured driver. Securing legal help is vital in recovering the compensation you need for your injuries and damages. By understanding your policy, documenting your losses, and working closely with your insurance company—or a lawyer if necessary—you can effectively navigate the claims process and secure the financial support you need to move forward.