Did You Get in a Car Accident Without Insurance?
"I got in a car accident without insurance, what do I do now?" This is the most common question among people today who are caught off guard by an unexpected and costly auto collision. Car accidents can occur any time, but insurance is almost always required before the doors can even open. Here are Pennsylvania-car-insurance.com that will help you learn what to do if you are in a car accident and without insurance...
Calling your insurance agent. When you get in a car accident, it is highly likely that you will need to call your auto insurer or agents to report the mishap. The sooner you call, the sooner you will get answers and be able to get on your way. However, if you need to contact them after the fact, make sure you have all of their contact information with you such as their numbers, names, email addresses and phone numbers. This will help you when you need them.
Check the internet. There are many online resources that provide valuable information if you are in a car accident. Look up auto insurance companies and their contact information. This is an especially good idea if you happen to know the name of the person who was at fault. Search Google for the name and company to see what information you get.
Talk to people. When it comes to car accidents, most people do not think much about what they are doing or where they are going while they are driving. For this reason, you may want to talk to some other drivers who have had experiences with similar companies to make sure that you are getting what you are paying for. Getting information from people you know is often a good idea since you will get a second opinion about the company and you might discover something new.
Go to state agencies. Each state has different laws regarding insurance coverage and companies. Make sure that you are familiar with these laws and are aware of what is covered and not covered by your insurance company. Sometimes it can be difficult to figure out which policies are best for you and which are not. Visiting the office of your state's department of insurance can help you make decisions based on what you already know.
Contact your state's insurance commissioner. Your state insurance commissioner can usually get you a referral to a reputable car accident attorney based on what you told him. In some cases, he can refer you to an attorney who specializes in personal injury claims. Having a lawyer by your side will be very advantageous in making sure that you get the full amount of compensation that you deserve. The state insurance commissioner will help you make the wisest and best decision for your situation.
Go to court. If you think that your claim for injuries has been denied by your insurance company, you should do everything in your power to file a lawsuit. It is possible that your company has hidden fees and bills that you have not been made aware of and you may have fallen victims to fraudulent car accident claims. In such cases, it may be necessary to have a judge order your car and other vehicles to be repaired or replaced. If you were not injured in the car accident and want to get your compensation for pain and suffering, a court case can help you get it.
Do not get into further trouble. Insurance companies are known to settle claims with the least amount of fuss. In case you have a valid reason for not having car insurance, try to settle the matter amicably. If you do not have enough money to pay for a large amount of repair bills and medical bills, it may be wise to just postpone the payment and try to get yourself out of the mess. However, never compromise on your safety and health and expect others to do the same because it is your own safety that is at stake.