Six Solid Steps to Remember if You Are Struck by an Uninsured Driver

It is illegal to drive without liability insurance in the state of Texas. Despite this, 1 out of 8 people drives without car insurance. If by chance you are involved in a car accident with an uninsured driver, you could be left without the ability to make a claim if you don’t have the right protection. This is especially true if it is a hit-and-run accident.

When you have been injured in a car wreck in Brownsville caused by an uninsured driver, you need a dedicated personal injury lawyer, like those at the Law Office of Ignacio G. Martinez, to represent you in court. Consider the following six steps if you have been hit and injured by an uninsured driver.

@Texas_DPS stats: about 25% of the 17 million licensed #Texas #drivers do not have #Insurance. Click To Tweet

1. Make sure You Have The Right Insurance Protection

Personal Injury Protection (PIP) coverage and Uninsured/Underinsured Motorist (UM/UIM) coverage are the two most important insurance provisions to purchase in order to protect yourself and your passengers from an uninsured motorist. Don’t wait until a car accident happens to consider having these crucial pieces of coverage in your insurance plan.

These policy provisions can help pay for bodily injury expenses including medical bills, lost wages, pain and suffering, and more. They also cover property damage such as auto repairs, rental car fees, and damage to valuables inside the car. As medical costs continue to increase, and with millions of uninsured drivers in the state of Texas, we strongly recommend adding this to your insurance coverage.

#PersonalInjuryProtection can protect you against #uninsured #RGVdrivers Click To Tweet

2. Call the Police

This is standard procedure when it comes to any accident. Calling the police will allow the proper authorities to create an Accident Report which will provide your insurer important details about the accident including:

  • The at-fault party
  • Where the accident happened
  • How the vehicles were damaged
  • The type of injuries that were sustained
  • Who has insurance
  • Citations or arrest that were made

Make sure to obtain the officer(s) names, case number, and card(s).

3. Seek Out Medical Attention as Soon as Possible

The body can sustain anywhere from the slightest to the most severe injuries in a car accident. At times the adrenaline and shock of the incident may leave you feeling “OK” after the accident but neglecting medical attention is a bad idea.

Even if you do not have any visible injuries, you still could have sustained internal injuries, that if left untreated, could result in permanent injury or even death. At times, serious injuries do not begin to affect the body until the days following an accident. It is highly recommended that you visit a doctor for an examination within 76 hours of the accident. Anything longer than that and insurance companies can infer that your injury occurred after the accident and not as a result of it.

4. Acquire Information From the Other Driver

Ask the driver for their current car insurance information. In case they don’t have insurance, ask if they have an older or expired insurance card. Just because their insurance has expired doesn’t necessarily mean that they are uninsured.

5. Give Your Insurance Company a Call

It is in your best interest to give your insurance company a call immediately after an accident to file a claim and to review your current insurance plan. When dealing with an at-fault, uninsured or underinsured driver, it is critical to know what options you have.

When you have uninsured motorist coverage, your insurance company helps cover your expenses from an accident. With an underinsured motorist coverage, you are protected when the at-fault driver’s liability limits are too low to cover the damages of the vehicle or any medical expenses.

Keep in mind that the Texas Insurance Code has mandated that all insurance companies that are doing business within the Texan border offer these protections. These protections may cover the policyholder, the family members that reside within the same household, any passengers within the insured vehicle, and anyone driving the insured vehicle with the owner’s permission.

Insurance Research Council est. drivers have a 14% chance of being in an #accident with a #uninsured driver. Click To Tweet

6. Reach Out to an Experienced Personal Injury Lawyer!

Even with UM/UIM or PIP coverage, your insurance company may attempt to deny your claim. When this happens, you will need to seek the qualified guidance of a capable lawyer who is familiar with uninsured motorist law in Texas. It can be difficult to recover the coverage owed to you without the legal representation to help fight for you.

The Brownsville personal injury attorneys at the Law Offices of Ignacio G. Martinez have the dedication, experience, and ability to fight for your rights when you’ve been injured by an uninsured driver.

Don’t let an uninsured driver or a bad faith insurance company stop you from obtaining the recovery that is due to you. Contact us at (956) 542-2426 today.

5 of the Most Common Car Accident Injuries

Traffic accidents rank as the 9th leading cause of death in the world. According to the Association for Safe International Road Travel (ASIRT), around 1.3 million people die in road accidents each year, and an additional 20 to 50 million are injured or disabled.

While those are global statistics, the United States road crash data is nothing short of staggering. Statistics provided by ASIRT report that 37,000 people are killed in car accidents in the United States each year, while an additional 2.35 million are injured or disabled.

The injuries or disabilities that result from a car accident will vary depending on the specifics of each collision as well as the person’s location within the vehicle at the time of the accident. Still, there are some injuries that are more common than others.

The biggest factors that determine the type of injury an individual will suffer in a car accident include:

  • Seatbelt use
  • Angle of impact
  • Position of the occupant
  • Speed at impact
  • Airbag deployment
#DrivingSafety 101: #Always wear your #seatbelt Click To Tweet

Injuries as a result of a car accident lead to unnecessary emotional distress and can be a major financial burden on you and your family. The attorneys at the Law Office of Ignacio G. Martinez are well experienced in personal injury cases caused by car accidents and we are ready to fight for you and your loved ones.

Categories of Car Accident Injuries

It’s wise to be aware of the types of injuries that may result from a car accident. There are two major forms of injuries.

  • Impact injuries occur when the individual is hit by or comes in contact with some part of the interior of the car.
  • Penetrating injuries occur when sharp, loose objects pierce the skin resulting in cuts and scrapes.

The type of category of injury and the areas of the body affected will vary in severity.

5 Common Types of Car Accident Injuries

Serious car accidents can cause some truly horrifying injuries that can cause permanent damage and even result in disability. Regardless of the severity of your injury, it is in your best interest to visit a doctor immediately after a car accident to prevent further issues.

Five of the most common car crash injuries include:

  1. Head and Neck Injuries. Among the most serious car accident injuries, head injuries can range from simple strains to severe concussions. Drivers or passengers involved in high-speed collisions can suffer immediate and violent head and neck movement.

    At the lower end of the injury spectrum, there is the well-known car accident injury called whiplash. If the victim’s head comes into contact with an object such as the steering wheel, dashboard, or window, a concussion or lacerations may occur. These types of traumatic brain injuries can lead to concussions.

    In more serious cases, surgery may be required to alleviate internal bleeding and pressure or a coma may result in long-lasting cognitive problems. Symptoms such as disorientation, vomiting, and headaches after an accident are causes to seek immediate medical attention as these may be related to a concussion.

  2. If you’re in pain always seek #medical #care after a #car #accident Click To Tweet
  3. Back Injuries. Back injuries are also incredibly common in car accidents, much for the same reason whiplash or head injuries happen. The sudden impact at high-velocity can cause damage or inflammation to the spinal cord. Reduced sensation and/or control of the limbs are possible symptoms of nerve damage to the spinal cord.

    Serious back injuries may result in partial or total paralysis. Herniated discs are also a possible injury, and though often less severe than spinal or head injuries, will still cause pain and discomfort.

  4. Chest Injuries. The most typical forms of chest injury are contusions or bruises. However, high-impact or improper passenger or driver positioning may lead to broken ribs or internal injuries. Because of their position behind the steering wheel, drivers are more likely to suffer chest injuries.

    Even the force caused by airbag deployment can be significant enough to cause injury. For passengers, the force of impact coupled with the seatbelt lock can cause some bruising in the chest area.

  5. Broken Bones. Car accidents that occur at high-speeds or which involve roll-overs can lead to broken bones. These can be dangerous injuries as any possible internal damage is difficult to assess by EMT paramedics.

    Broken bone injuries include: broken legs or arms, broken or fractured wrists or ankles, hip fractures, broken ribs, spinal injuries or skull fractures. Individuals who have suffered broken bones or fractures require immediate medical attention.

  6. Scrapes and Cuts. These types of penetrating injuries can also vary in severity. Any loose object inside the car at the moment of collision has the potential to cause a scrape or cut. This can include a purse, cups and mugs and phones that are lying about freely in the vehicle, or broken glass caused by the collision. Airbags may cause similar injuries to passengers.

Injured in an auto accident? The Brownsville attorneys at the Law Office of Ignacio G. Martinez are here for you.

Place your trust in the hands of Brownsville attorneys at the Law Office of Ignacio G. Martinez. If you or a loved one has suffered injuries from a car accident as a result of negligent driving, we are here to help you get the justice and compensation you deserve.

Call us today at (956) 542-2264 to schedule an appointment today.

What To Do After A Car Accident

Being in a car accident can be a very scary experience. After the impact, you are likely to be confused, stressed, and even a little disoriented.

However, it’s important to try and remain as calm as possible after a car accident, as there are a number of steps that you should you need to take legal action.

The Texas-Mexico attorneys at the Law Office of Ignacio G. Martinez want you to be aware of how to handle the situation so that any legal actions you take work out best for you. Our experienced law team is here to help if you have been the victim of a personal injury caused by a car accident.

Here is what you should do after a car accident:

  1. Collect Information

Assuming you are not injured, the first thing you should do is talk with the other driver(s) involved in the accident to collect names, contact information, driver’s license information, and insurance information.

If possible, you should also write down the license plate numbers of the cars involved in the accident, as well as the make, year, and model.

Even if the driver of the car is not the owner, it is still important to gather this information.

You should also consider taking pictures of road conditions, road signs, skid marks (if any), and the cars involved in the accident.

You will also need to get the contact information of the police officer that responds to the crash and takes down the report. Don’t forget to get the report number for later purposes. While our Brownsville lawyers understand you are likely to be shaken up after an accident, try your best to remain calm and collected so you can get down as many details as possible.

  1. Get Medical Treatment Immediately If Needed

If you are injured in a car accident, then it is absolutely necessary that you get medical treatment immediately. Do not hesitate to ask for an ambulance to take you to the hospital.

Even if you think your injury is “small”, you should not ignore any signs of pain, as these may be symptoms of a more serious injury.

Remember, that the longer you wait to visit a doctor after a car accident, the harder it becomes to prove that those injuries were a direct result of the wreck. Waiting too long can make it difficult to prove a personal injury claim.

  1. During and After Medical Treatment

On your first trip to the hospital, and during all the following medical treatment you may receive, there are some important rules that you should follow:

Always tell the truth to the doctor(s), starting on your first trip to the hospital.

    Failing to be honest about where you are feeling pain – and especially about previous injuries or illnesses – can negatively affect the care you receive as well as hurt your legal case.

  • Make sure to take the medication that has been prescribed to you. You need to follow all medical instructions and take all medication provided to you. If you are afraid of the side effects that can be caused by a specific drug, ask your doctor to see if you can switch over to a different one.
  • Do not stop medical treatment at any time during your personal injury claim.Continue visiting your physician until you are healed or until you are told otherwise by the doctor.
  • Make sure to attend all follow-up appointments. Skipping appointments can look bad on your medical records, and can negatively affect the way a doctor views your commitment to getting better, especially if you need them as a witness. If you must cancel because of an emergency, be respectful and try to reschedule well in advance.
  • Document your injuries.Alongside the previously mentioned tips for treatment, you should also follow up every appointment with pictures and detailed notes of your injuries. Maintaining accurate information regarding your injury and pain can go a long way in proving they are a direct result of the accident.
  1. Gather All the Official Documentation That You Can

In order to build a strong case and to fully establish your evidence, you will want to gather a number of official reports including:

  • Police Report(s): Police will create an official accident report after a car wreck occurs. This report will include the officer’s understanding of what happened, traffic violations that were broken by the negligent party, and whether or not a citation was issued. You should be able to get a copy of the police report at the traffic division department  of the police station in the city where the accident happened.
  • Medical Documents & Reports: If you were injured in an accident, medical reports are going to be the foundation of your legal claim. These documents can include: admitting charts, physician’s notes, diagnosis and prognosis reports, consultations, referrals, test results, and medication receipts.
  • Photos: As previously mentioned, photos can prove to be crucial evidence of negligence by the at-fault driver. Photos help to recreate the accident. Of course, you should only take photos if you are able to do so. Do not risk further bodily injury if the car accident was severe.
  1. DO NOT Talk About the Accident Online

Because of social media, many individuals will get in a car accident and then immediately go online to post about it. This can have serious negative effects on both your legal claim and insurance claim. Do not talk to anyone about the accident besides your lawyer, your insurer, and the police. Should the at-fault driver’s insurance company call you, direct them to your lawyer.

If you or loved one has been seriously injured in car accident, don’t hesitate to contact the Law Firm of Ignacio G. Martinez today at (956) 542-2264.

Our experienced team of attorneys will make it their mission to get you the compensation you need and the justice you deserve.

Don’t let a careless driver get away with the pain they’ve caused; contact our Brownsville lawyers today and let us go to work for you.