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 I was hit in an accident but I do not have auto insurance. What’s next?

Two cars collide in car accident
By Michael LoGiudice
Founding Attorney

Being involved in a car accident is a distressing experience, and the situation becomes even more complicated if you don’t have auto insurance. In the bustling streets of New York, where traffic is a constant challenge, understanding the steps to take after being hit without insurance is crucial. Here, we will guide you through the immediate aftermath and shed light on the consequences you may face.

I was hit in an accident but I do not have auto insurance. What are my next options?

The first priority after an accident is to assess your well-being and that of others involved. If there are injuries, call 911 immediately. Seek immediate medical attention. Failure to do so can jeopardize your health and your legal claims later on.

Regardless of insurance status, it is essential to exchange information with the other party involved in the accident. Get their name, contact details, and insurance information if they have it. This information will be important when pursuing legal action or negotiating the responsible party. You will also want to contact the police and file an accident report. This official documentation can serve as a critical piece of evidence in any future legal proceedings. Make sure to provide accurate and detailed information about the accident. Note that you may face fines, license suspension, or vehicle impoundment for driving without insurance.

If possible, take photographs of the accident scene, including damage to vehicles, road conditions, and any relevant traffic signs or signals. These visual record scan be valuable when determining fault and building a case, especially when insurance is not immediately available to cover the costs. It will also be important to consult with a personal injury attorney, particularly so if you do not have auto insurance. An experienced attorney can help you understand your rights, navigate the legal complexities, and guide you through the process of seeking compensation for damages and injuries. They can explore avenues such as filing a personal injury lawsuit against the at-fault party.

It is important to know that New York follows a no-fault insurance system. This means that, regardless of who caused the accident, each party’s insurance covers their medical expenses and other economic losses. However, if you don’t have insurance, you may face challenges in obtaining compensation for your injuries. An attorney can help you explore alternatives and help ensure that your rights are protected. For instance, while you may not have access to your own insurance coverage, you may be able to pursue a claim against the at-fault driver directly or seek compensation through other avenues depending on the circumstances of the accident.

Personal Injury Attorney

Being involved in a car accident without insurance in New York can be a daunting situation, but it is essential to stay calm and take the necessary steps to protect your rights. Consulting with dedicated personal injury attorney Michael LoGiudice means you will have trusted counsel by your side to help you navigate the complexities of the legal system and pursue the compensation you deserve. Contact us today.

About the Author
Michael LoGiudice handles all personal injury and medical malpractice claims. He is a graduate of Brooklyn Law School (1997) and has many verdicts and settlements totaling in the tens of millions of dollars.
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