Accidents with uninsured drivers in Washington, D.C. present unique and complex legal challenges. As such, there are certain steps you should take to protect your rights and give yourself the best chance of recovering compensation for your injuries. Here’s what to do.
Call the Police
Immediately contact the police to report the accident. This is required by many insurance policies that provide uninsured motorist coverage. The police may not always create an official accident report, but even if they do not, you will satisfy your duty by reporting the accident to them. If the police do prepare a report, that document provides confirmation of what happened and should corroborate the fact that the other driver lacks insurance. If that driver flees the scene, provide the police with any information you have so they can try to track them down. Such a driver is also considered an uninsured motorist under most auto insurance policies.
Gather Information
Collect as much information as possible from the scene. If possible, get the other driver’s name, contact details, and license plate number. Take notes on the accident’s location, time, and any relevant conditions. capture pictures and videos of the accident scene, any damage to your vehicle, and any visible injuries you suffered. This information is vital for your insurance claim and any legal action.
Take Photos and Videos
Use your phone to take photos of the vehicles involved, the other driver’s plate and, if possible, driver’s license, and the accident scene. Visual evidence is extremely helpful to prove the details of the accident and the extent of your damages.
Talk to Witnesses
If anyone nearby saw the accident, ask for their contact information and a brief statement of what they saw. Witnesses can provide important outside perspectives that can support your account of the accident.
Seek Medical Attention
Get medical help if you were not transported from the scene, even if you feel fine. Some injuries might not be immediately obvious but could become serious later, and a medical check-up is important to catching them in time. Furthermore, medical records from your visit can serve as evidence of your injuries and how they relate to the accident.
Keep Records
Maintain detailed records of all expenses related to the accident. This includes medical bills, repair costs, incidental expenses, and proof of any wages you’ve lost while you’re unable to work. Keeping organized records can help you get full compensation for your losses.
Consult an Attorney
Contact a personal injury attorney who can help you navigate the legal process. It is often smart to consult with an attorney before reaching out to any insurance company. An attorney can do that for you which is easier for you, and also best for your case because an attorney knows how best to communicate with insurance companies. An attorney can then advise you on your rights, negotiate with insurance companies, and represent you if the case goes to court.
Notify Your Insurance Company
If you have an attorney, they will Inform your insurance provider about the accident as soon as possible. Some policies have deadlines for reporting covered events. Quick notification ensures your claim is processed promptly and helps avoid complications. If you speak with the insurance company yourself, it is crucial that you not say anything that might suggest you caused the crash or were not injured if you were in fact injured.
Understand Your Policy
An attorney will review your insurance policy to understand your coverages. First, if you live in the District, your policy should contain at least $25,000 per person and $50,000 per accident in uninsured motorist coverage for bodily injury. It may also have property damage and other coverages that can be helpful. Knowing your coverage helps you understand what compensation you could recover.
How Our D.C. Uninsured Motorist Accident Lawyers Can Help You
At Simeone & Miller, LLP we understand the unique challenges that come with an accident involving an uninsured motorist. We can help you throughout your insurance claim and pursue the coverage you’re entitled to under your policy. Our team will investigate the accident thoroughly, gathering evidence, and talk with witnesses to build a strong case. If your insurer denies your claim or offers a low settlement, we’re ready to fight for you in court.
Contact us now for a free consultation with an uninsured motorist accident attorney in Washington, D.C. and let’s get started on your claim today.
