If you got in an accident with an uninsured driver, you should contact the police, seek medical care, and contact a Long Island car accident lawyer for help. Additionally, you should notify your insurance company after a crash.
Taking these steps may help you get compensation for your losses, even after a crash with an uninsured motorist.
Someone Hit Me with No Insurance — What Should I Do?
If an uninsured driver hits you, you should dial 911, let medical professionals treat your injuries, and speak to the police about your accident. Afterward, notify your insurance company about your accident. If you have insurance, you can get compensation for your losses, even if someone else caused your accident.
New York has minimum auto insurance requirements for all drivers. These requirements include no–fault coverage, which protects you financially if you or someone else is liable for your accident. With no-fault insurance, your insurer may compensate you for your accident-related losses, regardless of who is responsible.
A Long Island personal injury lawyer can explain no-fault auto insurance in detail, but, in short, your insurance should cover some of your losses regardless of the insurance status of other motorists.
Should You File an Insurance Claim After an Accident with an Uninsured Driver?
Yes, you should notify your insurance company about an accident with an uninsured motorist. Your insurance company may pay for your medical bills and other accident-related losses.
Additionally, your insurer may investigate your crash to determine liability and the extent of your losses. Of course, an insurance company typically focuses on its bottom line.
The company may dispute your claim or not cover all your losses. Fortunately, a lawyer can negotiate with an insurer on your behalf and explain what to do if you got in an accident with an uninsured driver.
What Happens if You Hit Someone Without Insurance?
If you do not have auto liability insurance at the time of the accident, you could face legal penalties. If your car insurance lapses and is invalid when your accident occurs, the police may give you a ticket or arrest you.
In addition, the police can impound your car, and the Department of Motor Vehicles (DMV) can revoke your driver’s license and registration. You may also be subject to a fine of up to $1,500.
Additionally, if you do not have insurance, you may not receive compensation to cover your losses.
Do You Have to Tell the Police if You Hit Someone Without Insurance?
You should notify the police after any accident causing property damage or injuries. If you hit someone, call 911 and share your contact and driver’s license information with the other driver. From here, this motorist could contact their insurance provider, which may cover their accident-related losses.
In this scenario, the other driver’s no-fault coverage could mean you do not have to pay for their losses.
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What Happens If Both Drivers in an Accident Do Not Have Insurance?
All drivers who end up in a crash without insurance can face penalties for their actions. Additionally, you may need help securing compensation for your losses if no one has insurance.
If you want to seek damages when both drivers are uninsured, ask our lawyers for help. Your lawyer can gather accident scene photos and videos, medical records, and other proof to support your argument.
A lawyer may build a body of evidence you can use to prove a liable driver was negligent and you deserve damages. You can learn more about what to do if you got in an accident with an uninsured driver as an uninsured driver from your attorney.
Can You Sue an Uninsured Driver?
When you get in an accident with an uninsured driver, you can file a personal injury lawsuit to get damages from them in some cases. For example, you have no-fault auto insurance coverage, but it does not give you enough money to cover all your accident-related losses. You may have to sue the other driver for damages to secure the compensation you want.
If you want to file a lawsuit relating to your car accident, you have limited time to file it. The statute of limitations for most personal injury cases extends up to three years. Beyond this window, you may be solely responsible for your accident-related losses.
To sue an uninsured driver, get help from a lawyer. You can discuss your accident with an attorney, and they can give you insights into the damages you could get. Next, your attorney can craft an argument to help you achieve your desired case results.
Can You Get Damages if You Get in an Accident with a Driver Who does Not Have Insurance?
You may get economic and non–economic damages in an auto accident caused by a driver who does not have insurance. A judge or jury can provide monetary damages for losses you can quantify and non-economic compensation for your subjective harm.
In some cases, a liable driver may need to pay for your:
- Car repairs or replacement
- Emotional distress
- Loss of enjoyment of life
- Pain and suffering
- Lost wages
- Medical bills
You can work with a lawyer with positive client reviews to maximize damages. This attorney will explain what you must do to get compensation from an uninsured motorist. They will advocate for you and protect your legal rights every step of the way.
Call Us After an Accident with an Uninsured Driver
Are you wondering what to do if you got in an accident with an uninsured motorist? You should report the crash to the police, get treatment for your injuries, and contact our team at Levine And Wiss for help.
We understand the challenges you can face when seeking compensation from an uninsured driver. Our team is here to assist you in any way we can. Request a free case consultation today.
