Dealing with uninsured and underinsured drivers after a car crash can be challenging. Here's some advice from a car crash lawyer:
1. **Contact the Police:** After any accident, it's crucial to contact the police and file an accident report. This establishes an official record of the incident.
2. **Exchange Information:** Gather as much information as possible from the other driver, including their name, contact information, and license plate number.
3. **Witnesses:** If there are any witnesses to the accident, obtain their contact information as well. Their statements can be valuable.
4. **Photographs:** Take photos of the accident scene, damage to both vehicles, and any injuries you or others have sustained. This can serve as crucial evidence.
5. **Seek Medical Attention:** Even if you don't think your injuries are severe, it's essential to seek medical attention. Some injuries may not be immediately apparent but could worsen over time.
6. **Contact Your Insurance Company:** Inform your insurance company about the accident promptly. They can guide you on how to proceed, especially if you have uninsured/underinsured motorist coverage.
7. **Consult an Attorney:** If you're dealing with an uninsured or underinsured driver, consider consulting a car crash attorney. They can help you navigate the legal complexities and potentially pursue compensation through other avenues, such as your own insurance policy.
8. **Uninsured/Underinsured Coverage:** If you have this coverage, your insurance company may step in to cover your damages when the at-fault driver lacks sufficient insurance.
9. **Legal Action:** If necessary, you may need to take legal action against the uninsured or underinsured driver to recover your losses. An attorney can guide you through this process.
Remember that laws and insurance policies vary by location, so it's essential to consult with an attorney who specializes in car accident cases in your area for personalized advice.