How to Navigate a Car Crash Without Insurance Coverage
Getting into a car accident is always frightening but when it happens without insurance coverage, the stress is amplified.
It’s important to know your rights, understand how liability works and know what steps to take immediately after the event. Read this blog to learn more.
Categories of Liability
There are different categories of liability, including:
Negligence: This involves a driver failing to exercise reasonable care. Examples include running a red light or texting while driving.
Recklessness: This means the driver knew their actions could cause harm but proceeded anyway, such as a driver who drove and caused a crash while intoxicated.
Intentional Misconduct: This is rare in car accidents but involves a driver causing an accident on purpose. Insurance companies often do not cover conduct that was done on purpose.
Strict Liability: This applies in cases where certain activities are inherently dangerous, and the driver is held liable regardless of fault.
A Car Accident Without Insurance
Here are the steps that we recommend you take when involved in a car accident. It might be helpful to print these out, laminate them and keep them in your glove compartment:
Stay calm and assess the situation: Ensure everyone is safe, check for injuries and call emergency services if needed. Stand out of the traffic in a safe location.
Exchange information: Collect information from the other driver, including their name, phone number, email address and vehicle registration information. Even without insurance, you will need these.
Document the accident: Take photos of the scene, including vehicle damage, road conditions, and any injuries. This will support potential liability disputes.
Contact the police: You have to file a police report, especially when you don’t have insurance.
Seek medical attention: Some injuries may not be immediately apparent so book a medical examination and have any injuries documented.
Notify the DMV: In many states, you must report the accident to the Department of Motor Vehicles, especially if there’s significant damage or injury.
When to Call Your Lawyer
Involving a lawyer early in the process of any accident or dispute is always the best advice. As your car accident lawyers, I can help you navigate the complexities of the legal system, especially in the face of an accident without insurance.
With experienced legal advice, you can navigate the complexities of an uninsured motorist claim and fight for the compensation you deserve after a car accident. If you’re liable for the accident, your lawyer can help ensure a fair outcome that minimizes the financial burden on all parties involved.
Consult your car accident lawyerand minimize the car crash’s impact on your life today.
