Being in a car accident is never easy. The situation becomes even more stressful when the at-fault driver does not have insurance. If you were hit by an uninsured driver in Troy, OH, you might be unsure how to pay for medical care, vehicle repairs, or other accident-related costs.
This guide will walk you through the steps to take after an uninsured driver accident, what coverage may apply, and how to protect your rights if the at-fault driver cannot pay.
Step 1: Report the Accident and Collect Evidence
Always call the police after any accident, especially if the other driver is uninsured. An official police report provides a legal record of the incident and supports any insurance or legal claim you may need to file.
If possible, gather the following information at the scene:
- The driver’s name and license plate number
- Photos of vehicle damage, the crash site, and road conditions
- Contact information for any witnesses
- A copy or case number for the police report
Also, seek medical attention promptly and keep records of all diagnoses and treatments.
Step 2: Review Your Insurance Policy
Ohio does not require drivers to carry uninsured motorist (UM) coverage, but many insurance companies include it unless you declined it in writing. If your policy includes UM coverage, you can file a claim with your own insurer for:
- Medical expenses
- Lost income
- Pain and suffering
- Property damage
Your insurance company will pay up to your policy limits. Check your policy or contact your agent to confirm your coverage.
Step 3: Explore Other Coverage Options
Even if you do not have uninsured motorist coverage, you may still have options. For example:
- Medical payments coverage (MedPay) can help cover immediate medical costs
- Collision coverage may help pay for repairs to your vehicle
- A civil lawsuit may be possible if the uninsured driver has sufficient personal assets
- Third-party liability may apply if the driver was working or using a borrowed vehicle
Step 4: Know Your Rights Before Accepting a Settlement
Uninsured driver claims are often more complicated than they appear. Your own insurer may attempt to reduce what they pay or offer less than you deserve. It is important to understand your rights before agreeing to any settlement.
A personal injury attorney can:
- Review your coverage
- Manage communication with insurers
- Identify additional liable parties
- File a lawsuit if necessary to recover fair compensation
Talk to a Qualified Attorney About Your Options
If you were injured in a crash with an uninsured driver, you do not have to navigate the process alone. Legal guidance can make a difference in how much you recover and how smoothly your claim moves forward.
Lopez, Severt & Pratt Co. serves injured drivers across Troy and Miami County. Our team can help you understand your legal options and pursue the compensation you need to move forward.
Contact us by calling (937) 400-3170 to schedule a consultation and protect your rights after an uninsured driver accident in Troy, OH.