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What if I’ve been in an accident and the other party has no insurance?


There are occasions where even the most conscientious of drivers get into an accident. If that happens do you, do not panic. You have certain legal rights that you can exercise. If you find that this is becoming difficult and that it is just too much for you to handle on your own, do not feel that you have to fight insurance companies and the guilty party alone. You will want to retain the services of a NYC personal injury lawyer to assist you. If you have been in an accident and the other party has no insurance, you need to retain legal counsel as soon as you can in order to maximize your chances of becoming compensated for the incident.

Begin by Contacting a Lawyer

If you have been involved in an accident where you quickly learn that the other party had no insurance, one of your first calls should be to a NYC personal injury lawyer. You do not want to be dealing with your insurance company on your own, as they will only try to find a way out of paying a claim that you are rightfully entitled to. In addition, depending on the extent of the accident and the nature of the damage, you may need to file a claim against the other driver’s assets. This is never a pleasant thought, but is nonetheless a necessary one in this situation. For that, you will want a NYC personal injury attorney representing you every step of the way.

Steps to Take After an Accident

Remember that the first step to take after an accident is to make sure you and any passengers are ok. Everything else is secondary at that point. If you are able to walk away from the accident, there are some things that you can do that will immediately begin to protect your legal rights moving forward. Let us briefly cover those for you now.

Call the Police

Even if the accident appears to be a minor one, you need to have the police called out to the scene of the accident. This is important because this action will generate a police report, which your NYC personal injury lawyers will need to get you the financial compensation that you are entitled to. You will also want the police called to the scene to note that the other driver is without insurance. Not only will that driver likely be cited as a result, it will also further protect your rights as a legally insured driver.

Let Your Lawyer Contact Your Insurance Company

Your next call should be to your lawyer. Let them handle matters from here, and you just focus on your own personal recovery. Your lawyer will contact the insurance company on your behalf, go over the details of the accident, and work to arrange a settlement that is in your best interest. This is an important distinction because the insurance company will try to arrange something that is in their best interest, not yours. It is often difficult to handle your personal affairs in the aftermath of an accident, especially when your own insurance company is playing hardball with you. Allow your lawyer to handle this for you and get the peace of mind that you need moving forward.

As you can see, there are a lot of factors to consider when you are involved in an accident with a driver that has no insurance. It can be handled, however, with a bit of resolve and the right legal counsel on your side. Contact a law firm in your area today for a consultation to determine how best to move forward with your case. You will be glad that you did, especially when the settlement arrives.

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