After an accident, your biggest concern is how you receive the best medical treatment for your injuries.
Paul’s background in medicine is extensive.
Paul’s connections to physicians at every level of medical care is extensive as well.
Most people don’t have health insurance.
Without health insurance, many doctors will refuse to treat you.
Paul can recommend physicians close to your home or work that will treat you for your accident-caused injuries.
If your medical needs require an immediate specialist, Paul can also recommend physicians in various specialties.
Your vehicle is very important to you. It helps you get to work.
It picks your kids up from school. Your vehicle is a necessity.
After an accident, your vehicle needs to be fixed as quickly as possible — or you need to receive payment as quickly as possible if your vehicle is a total loss.
Paul provides assistance in this area to ensure a quick and timely resolution to get you back on the road.
Bicycle & Pedestrian
Car + Drunk Driver
Slip & Fall
If you’ve been involved in an auto accident, it’s usual to exchange insurance information. But sometimes the other driver is evasive and may not have insurance, leading you to wonder what do I do if someone hit me with no insurance? What happens if you get hit by someone without insurance depends very much on the state you are in.
Some states are ‘no fault’ states, but the vast majority are not. In a ‘no fault’ state, each person’s insurance covers their own expenses, and the question of who is at fault isn’t relevant. It’s an “everyone for themselves” situation where your own insurance pays and you don’t concern yourself with the other person. This also means you generally cannot pursue them for damages for your costs, though there are exceptions.
Most likely you live in a ‘fault’ or ‘negligence’ state, in which case the question of fault and the other driver’s insurance becomes relevant. You need to determine who is at fault, and if it’s the other driver, the question of whether they have insurance becomes important as it is their insurance that should pay for your damages. You may still be able to file a claim through your insurance and have them pursue the other party depending on your policy. In particular, you may have uninsured motorist coverage which is designed for exactly this scenario.
As with any auto accident, file a police report. The other party may be reluctant given they are uninsured, so you should do it.
Let’s say the other driver doesn’t have car insurance; now what? You can still try filing a claim through your insurance company or talking to them to determine what your coverage allows.
In a negligence state, you can file suit against the other driver to recover your damages. If the other driver is drinking and ends up with a DUI conviction this can strengthen your case. It may also entitle you to further punitive damages in addition to compensatory damages due to the extreme neglect displayed by the other driver. Even if the other driver didn’t have insurance, they may still have assets that can be used to pay damages you win against them. Perhaps they are wealthy but didn’t have insurance due to an oversight or carelessness.
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