Discovering that the other driver involved in a car accident in Canada doesn’t have insurance can be a daunting situation. However, it’s important to take certain steps to protect yourself and ensure you receive the compensation you’re entitled to.
Seek Immediate Medical Attention: Prioritize your health and seek medical attention promptly. Not only does this ensure proper treatment for any injuries sustained, but it also generates crucial documentation for any future personal injury claims.
Document the Accident: Collect as much information as possible about the accident. Take photographs of the damage to your vehicle and note the make, model, and license plate number of the other vehicle involved. Obtain contact information from any witnesses present.
Inform Your Insurance Company: Contact your own insurance company as soon as possible. Mandatory automobile insurance in Canada includes coverage known as “Uninsured Automobile Coverage” (UAC). This coverage compensates you for damages, irrespective of whether the other driver was insured or not.
Understand Coverage Limitations: Keep in mind that UAC coverage has limitations and may not fully cover all damages. For instance, some provinces have a maximum UAC coverage limit of $200,000. If your damages exceed this amount, you may consider filing a claim against the uninsured driver for additional compensation.
Seek Legal Assistance: Consult with a personal injury lawyer without delay. An experienced attorney will guide you through the claims process, ensuring you receive fair compensation. They can also explain the various types of compensation available, including medical expenses, lost wages, and pain and suffering.
Explore Liability Possibilities: It’s crucial to note that even if the other driver was uninsured, they may still be held liable for your damages. Your lawyer can investigate the situation and initiate legal action against the other driver if necessary.
Document Expenses and Losses: Keep thorough records of all expenses and losses related to the accident, such as medical bills and lost wages. Your lawyer can assist in compiling a comprehensive list of damages and present this information to the insurance companies involved.
By following these steps, you can protect yourself and ensure you receive rightful compensation for any damages incurred in a car accident involving an uninsured driver in Canada. Remember, seeking legal guidance early on can significantly assist in navigating the claims process and protecting your rights.
