Accidents happen. That’s why we have car insurance. In the event of an accident, you should be able to simply exchange contact information and insurance information with the other driver, file a claim, and go on with your life. But what if your car is struck by an uninsured motorist?
With the help of the police, a qualified personal injury lawyer in Las Vegas, and your own insurance company, you can protect yourself from feeling the financial burden of being hit by a driver who’s not insured or is underinsured.
Always Call the Police After an Accident
First of all, as soon as you’ve cleared both vehicles from the roadway (if possible), call the police. Getting a police report is the best way to protect yourself from uninsured drivers. If the other driver is insistent that you do not call the police, be wary. They may not want a police report filed because they don’t want to divulge that they had no valid insurance at the time of the accident.
Unfortunately, a lot of criminals get away with this every year by saying something like, “We don’t need to file a police report. Just take my insurance information.” Then they give a fake insurance card, and after they leave the scene, the victim of the accident never hears from them again. Don’t be one of these statistics. Call the police, and while you’re waiting be sure to take down the other driver’s name, license plate number, insurance information, and any other information you can get from them.
Your Next Call Should Be to a Las Vegas Personal Injury Lawyer
Even if you’ve been struck by a motorist with full insurance coverage, you should still call a trusted personal injury lawyer in Las Vegas after your accident. In the case of an insured driver, you’re going to have to fight their insurance company to see the compensation you deserve from your claim. If they’re not insured, you will have to sue them for damages if you hope to claim any compensation at all.
Look Into Uninsured/Underinsured Coverage
Unfortunately, because people who drive without insurance often don’t have a lot of assets, getting full compensation isn’t always possible. This is why so many insurance companies offer uninsured and/or underinsured coverage. For a small additional charge on your monthly insurance premiums, you can actually file an uninsured/underinsured claim with your own insurance company if someone without insurance strikes your car.
Whether you feel like uninsured/underinsured coverage is right for you or not, you should have the contact info for a good personal injury lawyer in Las Vegas on hand whenever you get in the car. Accidents happen all the time, and sometimes they happen with people who can’t or won’t pay for insurance coverage.
If you’ve been in an accident with an uninsured driver, or if you have questions about your rights and the laws concerning auto accidents, and insurance in Nevada, call a qualified Las Vegas personal injury lawyer for a consultation today.