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Hit By a Drunk Driver With No Insurance

Despite all the public service announcements that speak out against drunk driving, it continues to be a problem. During 2017, the number of alcohol-related crash fatalities per 100,000 people in the United States was 3.3, which is a decline of 64% since 1982, but more than 27% of auto accident deaths involve alcohol, according to the Foundation for Advancing Alcohol Responsibility.

Your chances of being hit by a drunk driver are rather high, and you also have realistic odds of being hit by an uninsured motorist. The National Association of Insurance Commissioners reports that 13% of motorists drove without insurance in 2014. The odds of a drunk driver being uninsured are much higher than you may think.

What to Do If You Are Hit by an Uninsured Drunk Driver

Anytime you are involved in an auto accident, call the police right away. The officer will come to the scene and investigate the crash. If the other driver is drunk, he or she will be charged with DUI and taken into custody. That will be noted on the accident report. The officer will also need to see proof of insurance from all drivers, so the officer will be able to tell you that the other party was uninsured.

You should be sure to get statements and contact details from any witnesses. You will need all this documentation to support your claim later. If possible, get photos of the accident scene and of any damages and visible injuries. Be sure to give a statement to the responding officer, explaining what happened and what resulted.

Seek Medical Care

You should seek medical care right away. Failure to establish your medical treatment can negatively affect your claim. It might make it look as though your injuries aren’t as serious as you claim, or it might look like you weren’t injured in the crash but suffered injuries elsewhere.

You should keep copies of all your medical records and medical bills, receipts and records for prescriptions, receipts for any medical equipment or devices, proof of missed work and lost wages. You should get a written estimate for repairing the damages to your vehicle. Keep copies of any tow bills or receipts for a rental car while your car is inoperable.

You should notify your auto insurance carrier as soon as possible. You will need to file a claim under your uninsured motorist coverage.

Hit By a Drunk Driver With No Insurance

Consult With a Personal Injury Lawyer

If you have been involved in a car accident, especially if you were hit by a drunk driver with no insurance, you should consult with a personal injury attorney. An accident injury lawyer will review the details of your case and will ensure your claim is filed properly. With the help of an attorney, your odds of a successful claim increase significantly.

You want a lawyer who is licensed in your state, so he or she is familiar with the state laws. Complete the Free Case Evaluation Form on this page to get your case reviewed by an attorney in your area.

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