--Bodily Injury Liability Insurance of Uninsured Auto crisis - man Hit Me and I Have No Insurance!--
Uninsured Auto crisis - man Hit Me and I Have No Insurance!
An uninsured auto emergency can put in a very bad spot, even if you are not the person who caused the accident! If you are in California, the "don't pay don't play" law is in effect. If you do not carry liability
insurance, you cannot make a claim against the person that hit you. This includes physical injury and asset damage claims! You will be left at your own devices.
Uninsured Auto crisis - man Hit Me and I Have No Insurance!
If you are not in California, then let me the first one to tell you: stop driving without insurance, go and get yourself a policy, please! You are addition everyone's premiums. However, this does not mean that assurance companies get a free pass. You need to learn how to safe yourself. You made a huge mistake, no question. Nevertheless, you need to learn how to safe yourself so you are not treated unfairly.
Insurance companies do not like habitancy who do not have assurance (neither do judges, juries, lawyers, healing providers, nor the collective in general). The assurance carrier will try to deny your claim and blame you for the accident. They will put "fault" on you! If the emergency is clear (you were rear ended), then the assurance company will be more reasonable; however, if the persons that hit you denies or implies that they did not caused the accident, but you did. Then the assurance company has a duty (not optional) to believe their own client and send you a denial letter. assurance companies are bound to believe their clients, so if the other driver does not admit fault, it will be up to you to fight back. Since you do not have insurance, you will have to learn the claim process and negotiate as if you were your own assurance adjuster. You need to be ready to conclude your uninsured auto accident.
Remember that not having assurance does not mean you caused the accident. You need to isolate the two issues and document your claim showing that you had no responsibility in the accident. The first step is to get a copy of the police report. You can go to the Police Records Office and request one. Some jurisdictions will give you a copy the same day. Some others will take up to two weeks. Once you get the police report, make sure you read it thoroughly. Make sure you ask the police records office for an overlay sheet or visit:http://www.auto-insurance-claim-advice.com/overlay-sheet.html to download one from your state.
You need to be seeing at what contributory circumstances were attributed to you and the other driver. If there are no codes, or statements made by the officer citing you at fault, then you can point that out to the assurance company.
Read the police article and try to identify witnesses. You can contact them and see if they will be willing to give a statement. Many witnesses will help you if you were truly not at fault. Also look at the physical damages left on both vehicles. Is it even inherent that the emergency happened how the assurance company claims it did?
Write a letter to the assurance company and clarify your position. How did the emergency happen and what is your evidence. Give them a date line. If they do not answer, then amble to file a small claims court
lawsuit. Most of the time, assurance companies will try to conclude before you go to court. If they don't want to settle, go in front of a judge and clarify why you were not at fault. If your case is clear, then the assurance company must pay the judgment.
This is a difficult way to deal with your uninsured auto accident; it would be a lot easier if you had assurance in the first place. If you believe you are being "snowed" by the assurance company, consult with an attorney.
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