What are the next steps for me to take after my auto accident?
Question Details: After sitting at a red light, and proceeding after the delayed signal, I was struck by a drive going cross traffic. He admitted on the scene that he didn't see the red light initially, causing the accident. We also had several other witnesses provide information to confirm this, as well as there was an officer on the scene before the crash ever took place. He provided us with insurance information but our insurance policy has lapsed. What are my next steps after a car crash? Is it possible that he won't be held accountable due to the fact that we didn't have insurance? I am really just looking for general advice on what my next steps should be due to this being my first experience like this.
You should file a claim for property damage (cost of repairs) to your vehicle with the at-fault party's insurance carrier. I assuime you were not injured since you did not mention it. If you were injured, your personal injury claim is separate from your property damage claim.
If you are dissatisfied with settlement offers from the at-fault party's insurance carrier, reject the settlement offers and file a lawsuit for negligence against the at-fault party.
Laws vary from state to state whether or not an uninsured party can pursue an auto accident claim even when the uninsured party was not at fault in the accident. You should speak with an Indiana attorney who handles auto accidents regarding that issue.