Getting into a car accident can be both frightening and frustrating, but dealing with one where the other driver has no insurance can make an already overwhelming situation feel even more helpless. Understanding what to do after a car accident with an uninsured driver in North Carolina can enhance your safety, protect your finances, and allow you to move forward. Ayers, Ayers & Dressler can represent you after an accident with an uninsured driver.
Step 1: Secure Your Safety
As with any accident, see that everyone involved is safe first. Check for injuries, call for an ambulance if needed, and see that everyone involved is away from moving traffic if possible. North Carolina law requires you to report any accident to law enforcement. When the other driver is uninsured, calling the police creates an official record of your car accident, which may be helpful later.
In 2023, 115,009 people were injured by crashes in North Carolina. There was a total of 284,157 crashes reported. Unfortunately, 1,686 individuals were killed on the road.
Step 2: Gather Information
Just because the other driver was uninsured doesn’t mean you can’t collect their information. Obtain their contact, driver’s license, and vehicle information if you can. If there are witnesses, get a statement if possible, and collect their contact information. Take photos of the scene, any damage to vehicles, and road conditions, as these can be used as proof later.
When you deal with an uninsured driver, it’s even more important to create documentation, as there will likely not be an insurance company on the other side investigating your claim.
Step 3: See a Doctor
Seeing a doctor after your accident is always important, even if you think you have not been injured. Some injuries can take days to become visible. If you see a doctor quickly, you can document your injuries and connect them to the car accident. Medical records often become the focus of how insurance companies handle car accident cases.
Step 4: Review Your Own Insurance Policy
North Carolina law states that all drivers must carry uninsured motorist (UM) coverage as part of their auto insurance policy. This coverage pays for losses like medical bills, lost wages, and other damages when the other driver has no insurance.
In some instances, underinsured motorist (UIM) coverage may also apply. When the at-fault driver has coverage, but it’s not enough to cover costs, your UIM coverage can help. Your insurance company can provide crucial compensation after an accident with an uninsured driver. Policyholders’ own auto insurance often becomes the primary source of recovery.
Step 5: Have Open Communication
You’ll need to inform your insurance company about the accident after it happens, but take care what you say to them. Don’t guess who was at fault or downplay your injuries. Simply relate the facts of what happened, and make sure you don’t contradict yourself based on evidence. Insurance companies may take great pains to evaluate your car accident case when uninsured motorist coverage is involved.
Hire a Car Accident Lawyer
At some point after your car accident, you may start to wonder if you should hire a car accident lawyer. Accidents can get complex, especially when uninsured drivers are involved. Dealing with the legal and financial issues, all while navigating all the car accident laws that come up, can be difficult, especially when you are injured.
Knowing your options early can save you time and protect your right to collect compensation. Ayers, Ayers & Dressler can advocate for all you deserve. Contact us today for a consultation to speak with a North Carolina car accident attorney.
