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Steps to Take After a Car Accident with No Insurance

In New Mexico, approximately 1 in every 4 car accidents involves a driver who does not have insurance, highlightingthe importance of understanding how to handle uninsured motoristclaims. Whether you are a victim of a hit-and-run or involved in an accident with an uninsured driver, knowing the steps to file an uninsured motorist claim is crucial. [Read more about this statistic here]( 1:

Step 1: Confirm Your Uninsured Motorist Coverage

Before anything else, check if your auto insurance policy includes uninsured motorist (UM) coverage. This coverage is indispensable in New Mexico, given the high rate of uninsured drivers. It protects you financially if the at-fault driver lacks adequate insurance. Review your insurance declarations page or contact your agent to ensure you have UM coverage.

Step 2: Report the Incident

After the accident, promptly report the incident to the police. Obtaining a police report is crucial, as it formally documents the event and provides vital details needed for your insurance claim. This step is especially important in hit-and-run scenarios, where the at-fault driver has fled the scene.

Step 3: Document the Accident

Gather as much evidence as possible immediately following the accident. Take photos of your vehicle’s damage, any injuries you have sustained, and the overall accident scene. If there were witnesses, secure their contact details. Their accounts could be pivotal in supporting your claim.

Step 4: Notify Your Insurance Provider

Inform your insurance company about the accident as soon as you can. Adhering to your insurer’s reporting deadline is critical to the validity of your claim. Provide all gathered evidence and the police report to support the details of the incident.

Step 5: Maintain Comprehensive Records

Keep thorough records of all related expenses following the accident, including medical treatments and vehicle repairs. These records are essential for demonstrating the economic and personal impact of the accident and will be integral to determining the compensation you receive under your UM coverage.

Step 6: Evaluate the Settlement Offer

When your insurance company presents a settlement offer, review it carefully. If you have any doubts about the adequacy of the offer in covering all your damages and injuries, it’s advisable not to accept it immediately. Consulting with a legal professional can help ensure that the offer fairly compensates for your losses.

Step 7: Consider Legal Assistance

Handling insurance claims, especially those involving uninsured or hit-and-run drivers, can be complex. If you encounter difficulties during the claims process or need assistance negotiating a settlement, consulting with a legal expert experienced in uninsured motorist claims can be beneficial.

Contact the Law Office of Todd J. Bullion

For those dealing with uninsured motorist claims in New Mexico, professional legal assistance is available at the Law Office of Todd J. Bullion. Our team is well-versed in local insurance laws and dedicated to ensuring that you receive fair treatment and adequate compensation. To discuss your case or schedule a consultation, contact us at 505-494-4656 or visit our website.


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