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What If The Person At Fault In An Accident Has No Insurance?

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Car accidents are scary and complicated enough, but there’s nothing quite like the fear that hits you when you learn you have just been in an accident with an uninsured driver. Your mind may race with questions about how you will pay for the damages to your vehicle and, in extreme cases, how you will pay for your medical expenses.

If you are involved in a car accident where the other party is uninsured, the first step is to gather all necessary information. This includes collecting contact details, vehicle information, and specifics about the accident from all the parties involved. Having this information is crucial for the steps that will come next.

Reporting the Accident

Immediately reporting the accident to the police is an important step. A police report is not just a legal requirement in New York car accidents; it also serves as proof that your accident occurred the way you said it did. Any inconsistencies in your report will raise questions about what really happened. When dealing with an uninsured driver, it’s best to have official legal professionals with eyes on the scene.

Documenting the Scene

Take the time to document the accident scene. This means taking photographs of the vehicles involved, the location of the accident, and any injuries you sustained. These photographs support your claims with objective evidence that the court can review later. Gather all the information you can about the other driver and report it to your own insurance company.

Contacting Your Insurance Company

Inform your insurance provider about the accident as soon as possible. If you have Personal Injury Protection (PIP) or uninsured motorist coverage, these policies can help you cover your expenses. PIP can cover medical costs and lost wages, regardless of who is at fault, and uninsured motorist coverage compensates you for damages caused by the uninsured or underinsured driver.

Consulting with a Legal Professional

Speaking with a lawyer who specializes in car accidents and personal injury is a wise next step. We can offer guidance on filing a lawsuit against the at-fault driver and then help you navigate the legal process.

Navigating the Legal Process

One of the main challenges in uninsured motorist accidents is collecting compensation from an uninsured party, especially if they lack the means to pay. You may need to file a lawsuit against the guilty party in order to collect the settlement you are owed. It’s important to understand that suing an uninsured driver can be a complex process, and it may not always result in a favorable outcome.

In situations like these, having the support of a skilled legal team can make a big difference. At Gash & Associates, P.C., we understand the challenges of dealing with an uninsured person after an accident. Our team is ready to provide you with the guidance and support you need to move on from this challenging time. Call us at (914) 328-8800 to learn more about how our experienced car accident lawyers and personal injury attorneys can help you.