Accidents can happen all the time. Someone may be speeding through an intersection too fast, miss a sign, slip on some ice, and many other problems. In most cases, both parties will have insurance and whoever is at fault will have their insurance pay for the damages. But what happens if you are in an accident where an uninsured motorist or an underinsured motorist is to blame for the car wreck in Charlotte, NC?
There are steps to ensure the accident is handled in a proper manner including:
Call the police to the scene
No matter what kind of car wreck in Charlotte, NC that you are in, it is important to call the police to the scene. This is especially important if you are in an accident with an underinsured motorist. Having a record of the accident can go a long way in making sure that the claims process is smooth.
Make sure to take some pictures, write where the accident occurred, and write down details you can remember.
Exchange information
While the police will take the information from the other driver, you need to do this as well. This is often the stage of the car wreck where you find out that the driver is an uninsured motorist. Get all the information that you can about the other driver to help you out later.
Contact the insurer
There are a number of things that the insurance company will be able to do at this point. They are going to act based on the specifics of your policy and how much damage occurred in the accident. If you have uninsured motorist protection, there is more that your insurance company will be able to do for you. Even if you do not have this extra added to your policy, your insurance agent will be able to talk you through what the next steps in the process should be.
Take care of yourself
If injured in an accident, it is likely that you will need to deal with some medical bills. You may have to rely on your own health insurance to handle your medical bills, including out of pocket deductible.
For those who are in an accident, dealing with all these medical bills can be tough. You and your attorney could try to sue the responsible party and get them to pay for some of the bills, but it is unlikely that their resources would be very vast since they are an underinsured motorist. Having this protection on your own insurance could make a difference and help you get some of these bills paid.
Take care of the vehicle
Just like after a regular accident with someone who has insurance, you should take some time to talk to your insurer and see what your options are about getting the car fixed. You may not be able to the damages fixed with your own insurance without uninsured motorist protection. But you may get a little bit of help, which is better than nothing. You could also choose to seek out compensation through other sources, such as going to court. This could get tricky since you are going after the driver and their resources, rather than an insurance company.
Contact a Charlotte Car Accident Attorney Today
If you have been in a car wreck with an uninsured motorist, you may feel that limited compensation is the only option. It is time to call our professionals at Ted A. Greve and Associates to help you with your case. Our team of experienced Charlotte car accident attorneys have the experience to ensure you get the compensation you deserve. Contact us today for a free consultation.
