Have you ever been in a situation where you were bumped by a car? Once you start processing the whole situation, you get hit by another shot—the driver is uninsured. You start to worry about the repairs, medical bills, and how to deal with insurance companies. However, if the driver is uninsured, navigating all of this becomes even more complicated.
This blog will guide you through the key steps to take after a crash and what challenges you may face in the future. We will also discuss how a motor vehicle accident law firm in New Jersey can help you. Keep reading and learn how your worries could be eased.
Key Steps to Take After a Crash
Millions of people around the world every year experience the sudden fear and shocking experience of a car accident. But they are not aware of how to deal with the situation right away. Here are the key steps that you should follow up on after the crash:
Start Gathering Evidence
Prioritize your safety first. Move away from the location of the accident to a safe spot and check for any injuries. Call 911 in case anybody is injured or if there is major property damage. Once all of this is done, begin gathering evidence to support your claim:
- Click photos of any potential vehicle damage, visible injuries, and road conditions.
- Even if the driver admits to not having auto insurance, ask them for their contact details.
- Get contact information and statements of witnesses.
- When the police arrive, ask for their name, badge number, and police report.
All of this will help you in supporting your claim, as the other driver lacks liability insurance.
Inform Your Insurance Provider
Contact your insurance provider and inform them about the incident. Spare no details and report everything to them. As New Jersey follows a no-fault insurance system, you will have to use your own insurance for medical expenses and other costs first.
Check Whether You Have Uninsured Motorist Coverage or Not
Uninsured motorist coverage protects you when you get hit by an uninsured driver or are involved in a hit-and-run case. This policy helps in covering medical expenses, lost wages, and even pain & suffering in case you were injured in the accident.
File a Car Accident Lawsuit
There are some situations where you might not be sure whether you can file a car accident claim against the uninsured driver or not:
- The uninsured driver lacks financial resources.
- Even if you win in court, it can become difficult to collect compensation from them.
In such cases, your motor vehicle accident law firm in New Jersey will file the lawsuit according to what will serve your interests better.
Challenges That You May Have to Address
A motor vehicle accident could lead to plenty of legal and financial complications. The most common challenges that one might face could be:
- Limited or No Compensation
When the other driver is uninsured, the chances of you receiving any compensation are far from certain. It is even possible that you might not receive any compensation.
- Fault in Disputes
It is never clear whose fault it is. The other party involved may accuse you of the accident or simply refuse to acknowledge any responsibility. Such irresponsible behavior may lead to a delayed settlement.
- Lowball Settlements by Insurance Companies
Insurance companies often try to settle claims quickly and for less than what you deserve. They may offer a low amount before the full extent of injuries and losses is known.
- Bad Faith Claim
In some cases, insurers may act in bad faith—delaying claims, denying valid ones, or misrepresenting policy terms, making recovery difficult for victims.
How Can a Motor Vehicle Accident Law Firm in New Jersey Help?
Hiring a specialized motor vehicle accident law firm in New Jersey can be a game-changer. Here’s how they assist:
Filing a Claim With Your Insurance Company
One of the most important actions after an accident is making a timely and proper insurance claim. This is where a motor vehicle accident lawyer can help you. They will make sure that all necessary documents—police reports, medical documentation, witness statements, and photographs—are gathered and presented properly.
Negotiating With an Insurance Company
Insurance companies often prioritize their well-being over yours. There is a possibility that they may offer quick settlements that barely cover your actual losses. A skilled attorney will use evidence, expert testimony, and financial calculations to challenge undervalued offers.
Helping You Navigate the Complex Legal Issues
Claims due to motor vehicle accidents in New Jersey have intricate laws to consider. An experienced attorney will bring their client through the entire process of understanding the law, presenting the legal options in simple terms, and ensuring that their rights are protected all along the way.
Ensuring You Get the Maximum Compensation
A reliable accident lawyer does more than just file claims—they thoroughly evaluate your damages to make sure you’re not leaving money on the table. This includes medical expenses, lost income, pain and suffering, emotional distress, and even long-term care if applicable.
Handles All Your Legal Aspects
While your attorney goes through the evidence, files the correct papers, and represents you in court as and when required, you have an opportunity to just focus on healing and recovering without having legal issues burden you.
Bottom Line
If you or your loved one has been in an accident where the driver who hit you is uninsured, the situation could become difficult to handle. Coupled with the complexities surrounding the case, you will require the assistance of a motor vehicle accident law firm in New Jersey.
A knowledgeable lawyer who is well-versed in the insurance laws of New Jersey can help you in more ways than you can think. They will identify the potential sources of compensation from your insurance and accurately assess the full value of your claim. From personalized guidance to receiving the rightful compensation, they will walk with you at every step of the process.
Get in touch with a professional law firm in New Jersey today and rest assured that you will get fairly compensated.
