6 Steps to Recovery After an Accident with an Uninsured Driver
Accidents with uninsured drivers can lead to a complex damage recovery process, but knowing the right steps to take immediately after the incident can protect your rights and increase your chances of a successful outcome. Whether you were involved in a collision in Clearwater, Hudson, or Tampa, keep the following actions in mind to secure the compensation you deserve.
- Ensure Safety and Call the Authorities
Your first priority after an accident should be to ensure the safety of everyone involved. Check for injuries and, if possible, move vehicles out of the flow of traffic to prevent further harm. And regardless of the severity of the accident, you should always call the police. A formal police report will be beneficial when dealing with insurance companies or pursuing legal action, especially in cases involving an uninsured driver.
- Gather Information and Evidence
While waiting for the authorities to arrive, gather as much information as possible. Take photos of the accident scene, vehicle damage, and any visible injuries. Collect contact information from witnesses and take notes on their view of what happened. Additionally, exchange information with the other driver, even if they don’t have insurance. Documenting their details can be important if legal action becomes necessary.
- Seek Medical Attention
Even if you don’t feel seriously injured, seek medical attention as soon as possible. Having medical documentation will be vital if you need to file an insurance claim or pursue legal action later. Florida’s PIP insurance is designed to cover medical expenses regardless of fault, so getting prompt treatment will strengthen your position.
- Understand Florida’s Uninsured Motorist Coverage
Florida’s uninsured motorist (UM) coverage can provide protection in situations where the at-fault driver doesn’t have insurance. UM coverage is an optional addition to your auto insurance policy that compensates you for injuries, lost wages, and other damages caused by an uninsured or underinsured driver. If you have UM coverage, it can be a lifeline after an accident, helping you recover compensation that would otherwise be unavailable.
- Contact Your Insurance Company
Notify your insurance company about the accident. Be honest and provide all the details, but be cautious about making statements that could be used against you later. If you have UM coverage, your insurance company should step in to cover your damages, but be prepared for potential challenges.
- Consult with a Personal Injury Attorney
An experienced Florida personal injury lawyer can assist you in exploring all available options for compensation. They can negotiate with your insurance company on your behalf, gather more evidence if further documentation will fortify your case, and if necessary, take legal action to ensure you receive the compensation you deserve.
Has an uninsured driver complicated your life? Talk through your accident injury expenses when you meet with the lawyers at Roman & Roman. You can focus on your recovery while attorneys ensure work to secure the maximum settlement amount, compensation you need to move forward. Our legal team has over 100 years of combined experience. Schedule a confidential consultation today.
Although the law firm of Roman & Roman has offices in Clearwater, Hudson and Tampa, we handle cases and claims throughout Florida. We also meet personally with our clients if at all possible, rather than impersonally over the phone or on the Internet.
