What to do After a Car Accident With an Uninsured Driver in New York

What to do After a Car Accident With an Uninsured Driver in New York

When a person is involved in a car accident, the aftermath is often chaotic to handle. This can be even more frustrating if the other driver involved in the accident does not have car insurance. It is important to know how to handle these situations in the event that you find yourself in one. Continue reading below to learn more and contact an experienced New York personal injury attorney if the accident happened due to negligence.

What Do I Do After the Accident?

After a car accident occurs, it is important to remain calm and collected. This is so that you can follow the proper steps to ensure the best outcome possible of a difficult situation. Necessary steps to implement includes:

  • Call the police so that a report on the accident is made. If the driver is uninsured, this report can make the claims process smoother and help you receive coverage for damages.
  • Uninsured drivers may try to offer you money in an effort to avoid legal action. While it may seem like a good deal, it is important to not accept.
  • Exchange information with the other driver. Despite the fact that they have no insurance, you should gather their personal contact information and vehicle details. 
  • Write down important information. This can include the make and model of the vehicle, time and location of the accident, and the name/badge number of the responding officer. 
  • Take pictures of the scene. This can include damages to both vehicles, license plates, any traffic signs, and the direction of the vehicles. 

Insurance Claims Against Uninsured Drivers

When you contact your insurance company after the accident, you should tell them the collision was with an uninsured driver. In addition to this, be sure to keep the following information handy:  

  • Your insurance card for your policy number
  • The date, time, and location of the accident
  • A detailed report of how the accident happened, which is where your notes on the accident go to use.
  • When the representative asks for the other driver’s insurance information, you can give them the driver’s contact information.
  • The name of the police department along with the report number

Filing a Lawsuit

The state of New York is a no-fault insurance state, meaning that insurance providers generally reimburse victims of an accident for any damages. This is done regardless of who was at fault. In no-fault states, it can be difficult to file a lawsuit against the uninsured driver to recover damages. This is because there can be restrictions unless you suffered substantial injuries or incurred medical bills over a certain amount. In these situations, the best course of action is to report the incident to the insurance company and contact a car accident attorney to learn more about your options. 

Contact our Firm

A personal injury accident can have a great impact on your life and your bank account. At Katter Law Firm, we believe that everyone should be held liable for his or her own negligence; you should not have to bear the burden of someone else’s mistakes. To learn more or to schedule a free consultation, visit us online or call us today!