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Car accidents can be stressful and overwhelming, but they become even more complicated when the other driver involved doesn’t have insurance. In New Jersey, it’s mandatory for all drivers to carry auto insurance, but unfortunately, not everyone follows the law. If you find yourself injured by an uninsured driver in the Garden State, here’s what you should do:

1. Check for Injuries and Safety First

Your safety should be the top priority. After a car accident, check yourself and any passengers for injuries. If anyone is hurt, call 911 immediately. Even if injuries seem minor, it’s crucial to get medical attention. Some injuries may not manifest symptoms right away.

2. Report the Accident to the Police

Regardless of whether the other driver has insurance or not, it’s essential to report the accident to the police. A police report can serve as valuable evidence if you decide to file a claim or lawsuit later.

3. Gather Information

While waiting for the police to arrive, collect as much information as possible. This includes the other driver’s name, contact information, and license plate number. If there are witnesses, get their contact information as well. Take photos of the accident scene, including damage to both vehicles.

4. Notify Your Insurance Company

Contact your own auto insurance company to report the accident. Even though the accident wasn’t your fault, you’ll need to inform them about what happened. Some insurance policies have coverage options for uninsured or underinsured drivers, which can be crucial in this situation.

5. Seek Medical Attention

Visit a healthcare provider as soon as possible, even if you don’t feel seriously injured. Some injuries, like whiplash or internal injuries, may not show symptoms immediately. Medical records will be important if you decide to pursue a personal injury claim.

6. Consult with a Car Accident Lawyer

Considering the complexity of uninsured motorist cases, it’s advisable to consult with an experienced car accident lawyer, like those at The Law Offices of Raffi T. Khorozian P.C. They can help you navigate the legal process and maximize your chances of recovering compensation.

7. File a Lawsuit If Necessary

In New Jersey, the option to file a lawsuit against the uninsured driver exists. However, it’s important to note that uninsured drivers may not have substantial assets to cover your damages. Your lawyer can help you determine whether pursuing a lawsuit is a viable option in your case.

8. Explore Other Avenues for Compensation

Your lawyer can also help you explore other potential sources of compensation. For instance, if the uninsured driver was operating a vehicle owned by someone else, that person’s insurance policy might provide coverage. Additionally, New Jersey’s Special Automobile Insurance Policy (SAIP) offers limited benefits to eligible low-income drivers who can’t afford standard car insurance.

9. Understand Your Own Insurance Policy

Review your own insurance policy to see if you have uninsured/underinsured motorist coverage (UM/UIM). If you do, it can help cover your medical bills and property damage expenses caused by the uninsured driver. Your lawyer can assist in navigating the claims process with your insurance company.

10. Don’t Settle Without Legal Advice

If the other party or their insurance company approaches you with a settlement offer, consult with your lawyer before accepting. It’s crucial to ensure that any settlement adequately covers your medical expenses, lost wages, and pain and suffering.

In conclusion, being injured by an uninsured driver in New Jersey can be a challenging situation. However, with the right steps and legal support from experts like The Law Offices of Raffi T. Khorozian P.C. you can work toward obtaining the compensation you need to recover from your injuries and move forward. Remember to stay safe, report the accident, seek medical attention, and consult with an lawyer to protect your rights and interests.


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