So you’ve been involved in a collision with someone who doesn’t have insurance, or who doesn’t have adequate insurance to cover your damages. What do you do? Even though MA requires motorists to carry a minimum collision policy, some drivers neglect to follow this rule. Fortunately, most insurance policies provide at least some coverage for accidents involving uninsured or underinsured drivers. Follow the steps below to protect yourself if you end up in an accident with an uninsured or underinsured driver.
Step #1: Get the Other Driver’s Information
Even if he or she doesn’t have insurance, you need their information for your insurance company, as well as if you decide to file a lawsuit. In addition to name and phone number, get their plate number and driver’s license number.
Step #2: Document the Accident
Call the police. When the police are called to an auto accident scene, they have to file a police report. This serves as official documentation and can be invaluable when dealing with the insurance company, or if you decide to file a lawsuit. Take pictures of any vehicle damage, immediate injuries and contributing factors, such as icy roads, or a stop sign blocked by an overgrown tree. Since the advent of smartphones, most of us have a reliable camera on us at all times. Take lots of pictures from multiple angles. And ask any witnesses for their contact info in case you need to get in touch with them at a later date.
Step #3: Call Your Insurance Carrier and Call an Experienced Boston Car Accident Lawyer
As stated above, most policies provide some type of uninsured or underinsured motorist coverage. This coverage kicks in when the other driver has inadequate insurance coverage, or none at all. The level you have will depend on your insurance carrier and the policy options you chose when you purchased the policy. It may cover all damages, or it may only cover a portion of the damages you incur.
As with the filing of any insurance claim, it helps to consult with a skilled Boston motor vehicle accident attorney right away. Insurance carriers aren’t in the business of letting go of money easily. They will do everything possible to avoid paying out large sums of money, and car accident victims rarely understand the rules of the game unless they are insurance adjusters themselves. Avoid giving a recorded or written statement to your insurer without the advice of an attorney. And don’t accept the estimate of your losses without first obtaining a second opinion. Further, avoid signing releases or waivers without the advice of your attorney.
If the other driver is at fault, he or she will be liable for any damages incurred. Unfortunately, obtaining money from an uninsured or underinsured driver isn’t often an easy task. In most cases, a lack of funds was the reason they didn’t have insurance in the first place. Your best bet is to work with an experienced MA auto accident attorney and your insurance company to obtain the highest level of compensation possible for your insurer. It’s important to understand that many people have insurance coverage to cover damages that are caused by an uninsured motor vehicle. It also serves as a cautionary reminder to upgrade your current insurance policy to one that includes adequate uninsured and underinsured coverage, if it isn’t already included. Continue reading