What to Do If You’re Hit by an Uninsured Driver in Denver
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Most people do not plan in advance for motor vehicle collisions. Crashes happen quickly and without warning, leaving those involved wondering, “what do I do now?”
When you have sustained physical injuries from a Denver car accident caused by another driver, you probably expect that you can turn to the other person’s auto insurance policy to compensate you for medical treatment and property damage. While this is often the case when the at-fault driver has a liability insurance policy, not every driver has car insurance.
How Do I Know If the Driver Is Uninsured?
If you’ve been involved in a car accident, there are a few ways you can determine whether you were hit by an uninsured driver. The first thing to do is ask the at-fault driver for a copy of their auto insurance card and their driver’s license. Take photos of both and review them carefully.
Even if the name on the driver’s I.D. card is not listed anywhere on the auto insurance card, they may still be covered, depending on the relationship between the auto insurance policyholder and the driver. Many policies, for example, extend liability coverage to household members of policyholders.
If you do not see the driver’s name listed on the auto insurance card, however, it may be a red flag that they are an uninsured driver. If the driver is unable to show you an auto insurance card at all, this is another sign that they may be uninsured.
Even if the at-fault driver has liability insurance, it may not always be enough to cover your expenses. In this instance, the driver is considered underinsured.
What Are My Options?
After the crash, you should call the police immediately and ask to make a report. The investigating officer will get details about the at-fault driver and their potential auto insurance, and the officer will include the information in the official report.
Crash reports are public records, and you should be able to request a copy of the report online within a few days. Even if you are unable to determine for yourself whether the at-fault driver is insured based on the crash report, an auto injury attorney may be able to use identifying information about the driver to run an insurance search.
If the at-fault driver turns out to be uninsured, you may be able to use your own auto insurance policy to compensate you for medical costs and property damage. If you have signed a written rejection of uninsured motorist coverage, however, this option may not be available to you. In some states, the insurer may have to provide you with a minimum amount of coverage if it cannot provide you with your signed rejections.
Skilled Denver Car Accident Lawyers
At Zinda Law Group, our experienced motor vehicle accident attorneys have handled many cases involving uninsured and underinsured drivers. We have the knowledge and resources necessary to help you seek compensation from the at-fault driver or from your own insurance policy.
In some cases, it may be in your best interest to file a lawsuit in order to recover the necessary amounts. Our auto injury attorneys will advise you on the best way to handle your individual case. The sooner you contact us after an auto collision, the better positioned we will be to help you move forward.
Meetings with attorneys are by appointment only.