Head-on Collisions with Uninsured Motorists: Important Steps to Take
Head-on collisions are some of the most dangerous types of crashes that can occur on the road. When the at-fault driver is uninsured, it creates additional challenges for the not-at-fault driver in terms of covering damages and injuries. Here are some important steps to take if you’re involved in a head-on collision with an uninsured motorist.
Seek Medical Attention Immediately
The first priority is always to get medical care. Pain and symptoms don’t always feel that bad initially, when you are in shock from what’s happened, and some injuries don’t manifest until hours or days later. Getting checked out quickly also creates a record of your visit and documents any injuries. When the at-fault driver is uninsured, you’ll need as much evidence as possible to help cover your costs.
Report the Accident to Police
Contact the police to report the accident right away. Provide details like the time, location, parties involved, and any witnesses. The police report is crucial for establishing fault later on. Make sure to get the officers’ badge numbers and a copy of the report. Uninsured motorist claims rely heavily on being able to prove the other driver was at fault and lacked adequate insurance. The police report will help support your claim.
Exchange Information and Document the Scene
If possible, get the other driver’s name, contact details, driver’s license number, plate number, and insurance information. Even if they can’t provide proof of insurance, get their details. Take photos of the accident scene, damage to both vehicles, and injuries. These will supplement the police report.
Consult an Attorney
Consulting a personal injury attorney can help ensure you get properly compensated. They can help establish fault, determine the value of your damages, negotiate with insurers, and take legal action if needed. Never speak to an insurance company before consulting one of our car accident attorneys.
Notify Your Insurance Company
Once you have spoken to us, contact your insurer to report the accident. Provide them with the details and let them know the other driver was uninsured. They will walk you through the claims process for uninsured motorist coverage. Your rates shouldn’t increase, since the accident was not your fault.
Track Medical Expenses and Lost Wages
Document all accident-related expenses like medical bills, prescriptions, physical therapy, lost wages from missed work due to injuries, and more. This creates a paper trail to support claims for compensating your losses.
Know Your Uninsured Motorist Coverage Details
Review your policy to understand what uninsured motorist coverage provides in your state. There are different types and amounts of coverage. Understanding the benefits available to you will make the claims process smoother.
The aftermath of a serious head-on collision is stressful enough without adding an uninsured driver to the mix. Following these steps helps protect your rights and facilitates getting coverage for injuries and damages. With the proper documentation and help from one of our experienced auto accident attorneys, you can obtain fair compensation.
You can visit our offices at the following addresses:
- Westerville – 4151 Executive Pkwy, Suite 355, Westerville, OH 43081
- Mansfield – 33 S. Lexington-Springmill Rd, Mansfield, OH 44906
Call now for a free consultation at (614) 224-4114.