It’s never pleasant to be in a car accident. It doesn’t matter if you caused it or not; it can be a traumatic experience.
There’s something that can make that experience even worse- lack of insurance.
Even if you’re not responsible for the accident, your insurance can come in handy.
But what if you don’t have one?
If you live in Nevada, it’s best to contact one of the injury lawyers Las Vegas Nevada, who will help you get your compensation, especially if you get injured.
But before it comes to calling for legal help, see what you can do to prevent any troubles from occurring.
Prevention Is Better Than Cure
Let’s start with one of the basic rules of life: prevention is better than cure.
By not getting your insurance, you will always tempt your fate so it may be a good thing to get yourself one.
What’s more, proof of valid insurance is required in most states, and if you get caught without it.
Even if you’re not involved in an accident, the penalties for not having an adequate document can be severe.
There’s also a question of you driving someones else’s vehicle, with their permission, of course.
If that person has valid insurance, you needn’t worry then. You will avoid the penalty, and also you’ll likely be covered in the event of an accident.
You can, of course, save yourself all the trouble just by doing a straightforward thing- getting insurance.
If you worry about its cost, you should know that not having one in case of an accident will get you into serious trouble, even jail time.
Few bucks more doesn’t sound so bad now, right?
Okay, what if it’s too late, and you’re already involved in an accident without valid insurance.
Fortunately, you didn’t cause the accident, and it’s the other drivers’ fault.
There are few simple steps you should stick to in the aftermath of the accident in the no insurance and no at-fault scenario.
The first thing you ought to do is get all the details and information from the other driver.
Their name, phone number, address details, vehicle registration, and name of their insurance provider (if they have one, of course).
A good idea would also be to get address contacts or names from possible witnesses and take photos of both vehicles.
These two things will come in handy if the other driver doesn’t want to take the blame for the accident.
What about the police, though?
They’ll need to get involved in the two different scenarios that occur: the other driver fled from the scene, or someone got injured.
In both these cases, you need to call the police.
After you get all the information from the other party, you should make the mechanic evaluate the damages.
When the repair costs are known, you have two options on how to proceed.
You can file a third-party claim with the other driver insurance company, or you can file a personal injury lawsuit against the at-fault driver.
You should consider the first option when there are no injuries.
You can collect the compensation for your damages the same way as if you had your insurance.
It’s the fastest way to do so, and by keeping the police out of it, you may not be penalized for lack of insurance proof.
The second option is a necessity if there are injuries involved in the accident.
Filing an injury lawsuit can also get you higher compensation, but remember that at the same time, you’ll be subject to proceedings that relate to the fact you were driving your car without insurance.
That’s why you have to make sure to work with an experienced auto accident lawyer.
No Pay, No play
As you can see, if you don’t have insurance, but the accident is not your fault, you can get the same compensation as if you had one.
There are few exceptions though.
Several states have a rule called “No Pay, No Play.”
This rule means that in those states, you’re limited to the kind of compensation you can receive.
The reasoning behind this rule is straightforward.
If you don’t have insurance and can’t pay the other driver for their damages, you shouldn’t be able to claim the full compensation yourself.
To sum it all up. In many states, even if you don’t have insurance, but the accident is not your fault, you can get full compensation.
You should remember, though, that in most states, it’s prohibited to drive your car without valid insurance.
Some of them also have the “No Pay, No Play,” which makes getting your compensation even harder.
Fortunately, there’s one simple solution.
It’s called insurance.