It is often scary and frustrating to be involved in a car accident, especially if the other driver is not insured. It is important to know what to do if you find yourself in this situation. If you were involved in a car accident due to negligence, contact an experienced New Jersey personal injury attorney today.
What Do I Do After the Accident?
After any car accident, it is important to remain calm so that you can follow the proper steps to insure not only your safety, but gather information in order to file a claim. When dealing with an uninsured driver, implementing the following steps can benefit your situation:
- Call the police. The police should always be called so that a report can be made. If the driver is uninsured, this report can help get your expenses covered and make the claims process easier.
- Do not accept money. If the other driver does not have insurance, they may try to offer you money to avoid legal action. Even if it seems like a good deal, it is important to hold off.
- Swap information with the driver. Even though they do not have insurance, gather their contact and vehicle details.
- Write down details. 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 all damages, license plates, traffic signs, and the direction of the vehicles.
Insurance Claims Against Uninsured Drivers
The next step is to contact your insurance company. During this time, clarify that you were hit by an uninsured driver and keep the following in mind:
- Have your insurance card out for your policy number
- Provide the date, time, and location of the accident
- Give a detailed report of how the accident happened, which is where your notes on the accident come in handy.
- Usually, the claims representative asks for the other driver’s insurance information. At this time, you can provide them with the driver’s contact information.
- Provide the name of the police department along with the report number
Filing a Lawsuit
As New Jersey is a no-fault state, insurance providers will pay some or all costs relating to any injuries or damages, regardless of who caused the accident. However, no-fault can also make it difficult to file a lawsuit against the other driver. Typically, there are restrictions unless you suffered serious injuries or incurred medical bills over a certain amount. The best course of action is to report the incident with your insurance company and contact a car accident attorney to discuss your options.
Contact our Firm
We understand the impact a serious injury can have on an individual’s life. If you have been injured in New Jersey due to another party’s negligence, please do not hesitate to speak with an experienced attorney who can assess your situation and guide you through your legal options. Contact our firm today to learn how we can help.