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Lakota R. Denton, PA

Asheville Car Accident Lawyer

What to Do After an Accident with an Uninsured Driver

North Carolina state law requires all drivers to carry auto liability insurance. Despite this, thousands of people in our state drive without auto insurance coverage. You may not know what to do if you’ve been involved in a car accident with an uninsured driver. Even if you’ve been hit by an uninsured or hit-and-run driver, you still have some options for seeking an insurance settlement. An experienced personal injury attorney can help find sources of money to recover and advise you what to do next. 

Uninsured motorist coverage is a required part of all auto insurance policies in North Carolina. If you’ve been in an accident with an uninsured driver, your best bet for getting your medical bills and other expenses paid is to file an uninsured motorist claim with your own insurance company.

Many people buy personal injury protection coverage, also called MedPay, as part of their insurance policies. This type of coverage helps with paying car accident medical bills that your health insurance might not cover, like the ambulance or in-home medical device costs. MedPay often significantly reduces the amount that accident victims have to pay out-of-pocket.

Steps to Take After an Accident with an Uninsured Driver

Contact the police immediately after an accident with an uninsured driver.Call the police. Under North Carolina state law, you must call the police to report an accident with an uninsured driver. Your insurance company will require a copy of the accident report. They may deny your claim if you do not report the accident.

Take photos. Photos of the accident scene, vehicle damage, and your injuries show the severity of the accident and your damages.

Contact your insurance company. Reporting your accident immediately gets the claim process started. If you were a passenger in another person’s car when the accident occurred, you should get in touch with their claims department as well as your own insurance company.

Accidents with Hit-and-Run Drivers

Victims of hit-and-run accidents, where an at-fault driver flees the scene of a crash, may also be able to file a claim under their own uninsured motorist coverage. Insurance companies often require proof that an accident occurred, which may be difficult. Taking the same steps as above can back up your claim. In addition, talking to any witnesses and getting their contact information could save your hit-and-run accident claim from being denied.  Here are our suggestions for what to do if you witness a car accident

 

Speak to a Car Accident Attorney

Settlements arising from physical injury are generally not taxed.

Unfortunately, you may find it difficult to get what you need from your insurance company. They may offer you a settlement amount that is much too low to cover your expenses. You may find that the insurance adjuster handling your case wants you to give a recorded statement about the accident. The company may even ask you to go to arbitration or mediation.

Even though the only parties to your case are you and your own insurer, personal injury attorneys are often helpful to accident victims making uninsured motorist or hit-and-run claims. An attorney can contact your insurance company and the adjuster for you. This allows you to focus on your everyday life and recovering from your accident. It can also insulate you against jeopardizing your uninsured motorist claim by making a mistake in a recorded statement.

Many personal injury attorneys will answer questions about uninsured motorist insurance claims during initial consultations. Most attorneys do not charge for these appointments and will discuss your case with you to help you determine a path forward. You can email or call our Asheville personal injury firm today to schedule an appointment. Our consultations are always free.

Lakota Denton

Lakota Denton

Lakota Denton is an Asheville, NC trial lawyer who focuses on recovering for injured people. Lakota has been practicing law in Asheville, N.C. since 2011. Lakota attended Keene State College in New Hampshire and graduated with a degree in psychology in 2000. Lakota played professional soccer after graduating from college. In 2011 Lakota graduated Cum Laude from Western New England college where he was awarded the Edward Cooley Award for Excellence in Labor Law, The CALI excellence for the future award for Labor Law, The CALI excellence for the future award for Jurisprudence Survey, The CALI excellence for the future award for Trial Methods, and was a member of the American Association for Justice Moot Court Team. Lakota has been practicing in his own firm since 2013, focusing solely on personal injury. He is a member of the American Association of Justice, the North Carolina Advocates for Justice, the North Carolina Bar association, the American Bar Association, the National Trial Lawyers, and was awarded Top 100 Trial Lawyers by the National Trial Lawyers, the 2014 Top 40 Lawyers under 40, and the Avvo clients choice award. He has spoken at the Asheville Paralegals Association Luncheon and he served on the North Carolina Advocates for Justice Auto Torts leadership team in 2017. Lakota has won numerous jury trials with verdicts for his clients. For more information, contact our office.   

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