Sandra Zisckind, Lawyer, Managing Partner

Sandra Zisckind practices exclusively in the area of Plaintiff Personal Injury Litigation. Sandra received her Bachelor of Arts degree from York University where she specialized in Political Science. Learn more

Mar 24, 2021 | See all posts

5 Steps To Protect Yourself After An Uninsured Accident

“The Other Driver Didn’t Have Insurance! What should I do?”

If you’ve been in a car accident in Canada and the other driver did not have insurance, it can be a stressful and confusing time. However, there are steps you can take to protect yourself and ensure that you receive the compensation you deserve.

Seek Medical Attention

First and foremost, it’s important to seek medical attention as soon as possible. Not only will this ensure that you receive the necessary treatment for any injuries you may have sustained, but it will also provide you with documentation of your injuries, which is crucial in any personal injury claim.

Document the Accident

Next, you’ll want to gather as much information as possible about the accident. Take photos of the damage to your vehicle, and make note of the make and model of the other vehicle, as well as the license plate number. If there were any witnesses to the accident, be sure to get their contact information.

Contact Your Insurance Company

Once you have this information, you’ll want to contact your own insurance company. In Canada, all provinces have a system of mandatory automobile insurance, which includes a coverage called “Uninsured Automobile Coverage” (UAC). This coverage will provide you with compensation for your damages, regardless of whether the other driver was insured or not.

It’s important to keep in mind that UAC coverage is limited, and may not fully cover the damages you’ve sustained. For example, in some provinces the UAC coverage is limited to a maximum of $200,000. In this case, you may be able to file a claim against the other driver to recover any additional damages.

Seek Professional Help

Contact a personal injury lawyer as soon as possible. An experienced attorney can help you navigate the claims process, and ensure that you receive the compensation you deserve.They can also help you understand the different types of compensation that may be available to you, including medical expenses, lost wages, and pain and suffering.

In some cases, the insurance company may try to settle your claim for less than you deserve. An attorney can help you negotiate a fair settlement and can advise you on whether to accept or reject a settlement offer.

It’s also important to keep in mind that in some cases, the other driver may not have had insurance at the time of the accident, but may still be held liable for your damages. An attorney can help you investigate whether this is the case and can help you take legal action against the other driver if necessary.

Document Expenses and Loses

It’s also important to keep good records of all expenses and losses related to the accident. This includes medical bills, lost wages, and other expenses. An attorney can help you put together a comprehensive list of damages and can help you present this information to your insurance company or the other driver’s insurance company.

Conclusion

 In summary, if you’ve been in a car accident in Canada and the other driver did not have insurance, it’s important to seek medical attention, gather information about the accident, contact your own insurance company and seek the advice of a personal injury lawyer. An attorney can help you navigate the claims process, ensure that you receive the compensation you deserve, and can help you take legal action against the other driver if necessary. By taking these steps, you can protect yourself and ensure that you receive the compensation you deserve for any damages you’ve sustained.