In most cases, when you are hit and injured by a negligent driver, their insurance company pays your damages. This financial compensation may cover your medical bills, lost wages, replacement services (housework, yard work, driving kids, etc) and more.
However, if you are hit by an uninsured or under-insured driver, the reality may be more difficult. If you know a negligent driver has no assets, you can file a suit against your own insurance company to cover the losses. In the instance that you have extra coverage for uninsured and under-insured motorists, your insurance company is expected to cover the damages of the accident. If you live in a no-fault state like Florida, your insurance company must cover you.
Insurance companies will be vigilant to ensure that they are not paying out any more than they have to. Therefore, if you’ve been injured by an uninsured or under-insured driver, you will most likely need an experienced attorney on your side.
The most important thing is the health of the injured and accordingly you should first seek immediate medical assistance from a competent medical doctor or local hospital. If need be, have an ambulance take the injured to the hospital directly from the scene of the accident.
Shuman Legal Offers a FREE application for iPhones and Android based cellular smart phones that will help you immediately collect pictures and the necessary information needed to document the accident and communicate the information directly it to our attorneys.
Make sure that an accurate history is given to the medical professional regarding the injuries related to the accident or on the job incident. As soon as is reasonably possible, you should then consult with an attorney who is experienced in handling personal injury and Workers’ Compensation matters so that you can receive specific legal advice regarding the proper steps that should be taken to protect your legal rights.