What to do if You’re in an Accident with an Uninsured Driver | Attorneys for Freedom Law Firm

What to do if You’re in an Accident with an Uninsured Driver

Jody L. Broaddus

Some drivers don’t comply with Arizona law that requires drivers to maintain a minimum amount of liability insurance coverage. This may place you at risk if an uninsured driver causes an accident that results in injuries or damages to you or your passengers. Here are some tips to protect yourself.

Insure yourself – You can’t rely on others to make sure that you will be taken care of after an accident. Make sure you have uninsured (“UM”) and underinsured “UIM”) motorist coverage and collision coverage through your own insurance carrier. UM, and UIM coverage may provide coverage if an uninsured doesn’t have insurance or doesn’t have enough insurance to compensate you or your passengers for injuries sustained in an accident. Collision coverage can help pay for repairs to or replacement of your vehicle if you are struck by an uninsured driver. If you owe money on your vehicle, you may also want to consider gap coverage, as the value of your vehicle may be less than the amount owed to the finance company.

Call the police – Law enforcement can make a report to document information about the accident and the persons involved. This may help in processing any claim you may have, especially if the uninsured driver later tries to deny liability or avoid responsibility.

Exchange information – If a driver does not have insurance, you want to ensure that you have the other driver’s name, address, and phone number, as well as the make and model of the driver’s vehicle and the license plate number. You should also notate the date, time, and location of the accident. This may avoid a situation where the driver later claims he or she was not involved in the accident. You should also get contact information from any witnesses, as they may be helpful if liability is contested.

Do not accept money or a future promise to pay money – Following an accident, injuries and damages may not immediately be known, as some injuries can manifest over time following an accident. You do not want to limit yourself to a quick payment or settlement that could be deficient or insufficient to compensate you for your losses.

Take pictures – You should consider taking pictures of your vehicle and the other driver’s vehicle to memorialize any damage and the position of the vehicles following the accident. You should also take a picture of the other driver’s license plate. This will help establish property damages and may also assist an expert in reconstructing the accident.

Call an attorney. An attorney can discuss options that are available to you and ensure your rights are protected.

Phillip J.
Phillip J.
14:30 18 Jan 22
Upfront pricing & transparency throughout. Got my case completely dismissed and I’m now able to... move forward with a clean slate. Thank you Marc and Emma and the entire team attorneys for freedomread more
Jared B.
Jared B.
19:48 15 Jan 22
5 stars just isnt enough for Andrew Marcantel, Marc Victor, and the entire staff here.When my... boyfriend was wrongly accused of a totally vile crime, neither of us had any experience navigating the "just-us" system.If you've faced potentially life-altering accusations, and you feel like the system is set up to empower police, prosecutors, judges, and pretty much everyone except you, then you're right! If you want to level the playing feild, Attorneys for Freedom will accomplish that.Some others have commented about the price. Good representation does cost money, unfortunately. What is a persons future worth?Compared to the competition, which is also expensive, the value you will get at this law firm is just unbelievable. Andrew especially is so great at walking you through possible scenerios, guiding you through important decisions, and has the experience to truly get good results. Extremely knowledgeable and creative not just "aggressive". He is also an excellent communicator, both in the office and in the court.Speaking of communication, the paralegal team at even some more expensive law firms will leave you wondering what it is they are paid to do. This is not the case at Attorneys for Freedom. Ashley Crispino and Kaylie Kline did an amazing job at both keeping us in the loop and being available when needed.Reading "Case Dismissed" after what felt like an eternity of fighting was the best outcome we could have ever asked for.I told my Aunt who was very worried about us at the height of all the absurdity that I felt like having Andy on our side was better than prayer. And I was right.read more
Nicholas K.
Nicholas K.
01:07 17 Dec 21
Bad review was due to unfortunate mistake in contact info. Mr. Harris made contact, fixed my file,... and set up the next steps for my request.read more
Daddy D.
Daddy D.
17:44 14 Dec 21
Helped me out with all my attorney needs. Out of state help!
Kira L.
Kira L.
22:12 02 Dec 21
This is my first time ever needing an attorney and my attorney was Kate and she did an amazing job... with my case! Kate took time to go through all of the evidence so she understood everything before going to court. Kate assistant Madalyn was also super helpful and very sweet! Anytime I called she was very understanding and helped me walk through the process when I did not understand something and always had an upbeat positive attitude! If I ever need an attorney again I will definitely being going back to Kate!read more
js_loader