Being involved in a car crash is a traumatic experience on its own, but it can be even more complicated and stressful if the other driver involved is uninsured. In the state of Colorado, just like in many other states, driving without insurance is against the law. However, accidents involving uninsured drivers can and do happen. It’s important to be prepared and informed about what steps to take if you find yourself in this unfortunate situation. Here’s a comprehensive guide on what to do if you are in a crash with an uninsured driver in Colorado:
1. Prioritize Safety and Seek Medical Attention:
As with any car accident, the first priority is safety. Check yourself and your passengers for injuries, and if anyone is injured, call 911 immediately. It’s crucial to seek medical attention, even if injuries seem minor, as some injuries may not be immediately apparent.
2. Contact Law Enforcement:
Call the local law enforcement to the scene of the accident. They will create an official accident report, which can be helpful when dealing with insurance claims and legal matters.
3. Gather Information:
Collect as much information as possible from the other driver. Even if they are uninsured, it’s essential to exchange basic information such as names, contact details, and driver’s license information. Also, document the details of the accident, including the time, location, and any relevant weather or road conditions.
4. Notify Your Insurance Company:
Contact your own insurance company to report the accident. Even if the other driver is uninsured, your own insurance policy might cover certain expenses under the uninsured motorist coverage. Uninsured motorist coverage is not mandatory in Colorado, but many drivers opt for it to protect themselves in situations like this.
5. Consult an Attorney:
Consider seeking legal advice, especially if there are injuries involved. An attorney can guide you through the process and help you understand your rights and options for seeking compensation.
6. File a Police Report:
If law enforcement did not come to the scene of the accident, visit your local police station to file an accident report. Having an official report on file can be crucial when dealing with insurance companies and potential legal actions.
7. Document Everything:
Keep detailed records of all expenses related to the accident, including medical bills, vehicle repair costs, and any other out-of-pocket expenses. These records will be important when seeking compensation.
8. Pursue Legal Action:
If the uninsured driver was at fault and you’re not able to obtain proper compensation through your insurance, you might consider pursuing a legal claim against the uninsured driver. However, keep in mind that even if you win a lawsuit, collecting compensation from an uninsured individual might be challenging.
9. Explore Other Avenues:
In some cases, you might be able to recover damages through your own health insurance or medical payments coverage on your auto policy. It’s wise to investigate all possible avenues for compensation.
10. Preventative Measures:
To minimize the impact of accidents with uninsured drivers, consider purchasing uninsured/underinsured motorist coverage (UM/UIM) when you initially sign up for auto insurance. This coverage can provide additional protection in case you’re involved in an accident with an uninsured or underinsured driver.
While it’s frustrating to deal with an uninsured driver after an accident, it’s important to remain as calm as possible and follow these steps. The goal is to ensure your safety, protect your rights, and seek the compensation you deserve for any damages or personal injury you’ve incurred. If you’re unsure about the best course of action, consulting with legal professionals or insurance experts can provide valuable guidance tailored to your specific situation.
Contact Our Experienced North Denver Personal Injury Lawyers
If you or someone you love has been injured in a car accident anywhere in Colorado, contact our experienced personal injury attorneys immediately. At Hull & Zimmerman, our committed personal injury lawyers are dedicated to the belief that everyone deserves justice. Contact us at (303) 710-8915 or (866) 385-3505.
Our car accident lawyers have extensive experience representing injured accident victims in Broomfield, Arvada, Superior, Lafayette, Louisville, Erie, Brighton, Commerce City, Northglenn, Westminster, Thornton, Longmont, and throughout Colorado.
