How to Deal with Car Accidents: Uninsured or Underinsured Drivers

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Car accidents may be stressful and intimidating, especially when the culpable party is uninsured or underinsured. In such sad instances, the burden of dealing with the consequences may rest solely on the innocent victim. Dealing with uninsured or underinsured drivers demands a different strategy than the normal collision procedure.

If you’ve been to Louisville, you’ve probably noticed that this city, one of the most affordable in America, is a welcoming place, well known for its culinary grandeur. The city is also a hotspot for entertainment, with bourbon, horse racing, and, of course, numerous dining options. It’s also a fact that accidents are likely to happen in such a vibrant city.

Victims seeking compensation for injuries and losses can seek legal assistance from experienced Louisville car accident attorneys. They manage complex legal procedures, negotiate with insurance companies, and fight for their clients’ rights in order to obtain the recompense they deserve.

Dealing with Car Accidents by Uninsured Drivers

Being involved in a car accident is a traumatic experience; however, until a first responder reaches you, you have to take charge of the situation. Here are a few guidelines to follow:

1. Stay Calm and Ensure safety 

Check yourself and your passengers for injuries, regardless of whether the other motorist has insurance. If feasible, transfer the cars to a safe area to avoid more accidents. If the accident is severe, contact emergency services right away to request medical aid and police presence.

2. Gather information

Try to gather as much information as you can. You will need these details to give your lawyer for a car accident claim. The entire procedure will go more smoothly if you have relevant information that supports your case. Here’s what you have to find out: 

  • Name, contact information, and address of the driver
  • Vehicle information and license plate number
  • Photos of the accident scene, road conditions, and damage
  • Witnesses’ contact information
  • Make contact with law enforcement.
  • Contact the police and report the accident, presenting them with all of the information gathered. 

3. Notify Your Insurance company

Contact your insurance carrier to report the collision, even if the other motorist is at fault and uninsured. Some insurance plans require timely reporting, and delaying it may jeopardize your claim eligibility. 

4. Check for uninsured or underinsured motorist coverage

Examine your policy to see if you have uninsured or underinsured motorist coverage (UM or UIM). This policy is intended to protect you in the case of an accident involving a motorist who does not have proper insurance. If you have UM/UIM coverage, it can help pay for medical bills, property damage, and other losses. 

5. Seek Medical attention 

Regardless of the severity of your injuries, it is critical that you get medical assistance as soon as possible. Some injuries may not have obvious symptoms right away, and a medical assessment will document any damage and give any required treatment. Your insurance claim will also require medical documents.

6. Consult an attorney 

Dealing with uninsured or underinsured drivers may be a legal minefield. Consult with an expert auto accident attorney who specializes in automobile accidents and insurance claims. They can help you through the procedure, safeguard your rights, and guarantee you receive fair compensation. 

7. File a Claim with Your Insurance company 

File a claim with your insurance carrier if you have UM or UIM coverage. Provide them with any essential information, including the police report, medical documents, and images from the accident scene.

8. Negotiate with Your Insurance company 

Even if you have UM or UIM coverage, insurance firms may try to settle for the smallest sum feasible. Negotiate with your insurance company to guarantee a fair settlement that includes all of your losses, including medical expenditures, property damage, missed earnings, and pain and suffering. 

9. Consider Legal action 

If your insurance carrier refuses to give a fair settlement or you think the compensation is insufficient, you may need to explore legal action against the uninsured or underinsured motorist. An attorney can walk you through the procedure and help you get the amount you deserve. 

Dealing with automobile accidents caused by uninsured or underinsured drivers can be difficult, but taking the necessary actions can protect your interests and guarantee you obtain the compensation you require. 

Remember that uninsured or underinsured motorist coverage can be a lifeline in these situations, so evaluate your insurance to ensure you are appropriately protected.

Source: Sam Aguiar, Injury Lawyers, Kentucky




Legal Technology News: LawVu ReImagines In-House Legal Capabilities With Microsoft Azure OpenAI

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LawVu is transforming how businesses interact with contracts with its new AI Assist feature, driving incredible efficiency gains and increased capabilities for in-house legal teams 

AUCKLAND – 16 August 2023 – LawVu is transforming the capabilities of in-house legal  teams by adding AI enhancements to its legal workspace software.  

According to LawVu’s latest In-house Legal Technology Report, the most pressing priority  for in-house legal teams and their businesses is finding efficiency and productivity gains. A key barrier to driving productivity stems from in-house legal teams’ lack of access to the  latest technology. Typically, these teams have access to rich data sets that contain a wealth  of information about the business, but lack the resources to unlock the insights this data  holds.  

Now, LawVu has added new AI-powered features to its legal workspace that can optimise  efficiency, remove administrative burden and provide secure access to valuable insights  previously locked away in contracts and invoices.  

LawVu’s AI Assist feature uses the latest generative AI and language models from Microsoft  Azure OpenAI to help customers action contracts faster. This natural language processing  tool reviews and summarises key information from contracts so that in-house legal  professionals can find answers quickly without needing to read hundreds of pages.  

AI Assist can give users a high-level summary of a contract, retrieve details such as parties  involved, key dates, signatories, scope, liabilities and warranties, and identify contract  renewal and expiry dates in a matter of seconds. It also allows users to evaluate the accuracy  and value of the response with a ‘thumbs up or down’ vote so that the software can learn on  the job.  

LawVu developed these new features through a strategic partnership with AI leader  Microsoft. As part of the Microsoft AI First Movers program, LawVu has enjoyed early access  to Microsoft’s cutting-edge AI technology to build new tools and deliver rapid innovation to  its customers. 

“LawVu was already allowing in-house legal teams to manage their contracts, matters and  vendor spend all in one place. Now, with the power of AI embedded in that workflow, we are  taking a crucial next step in transforming what in-house legal teams can do and how  efficiently they can do it,” says Sam Kidd, CEO and Co-founder of LawVu.  

The company has also developed several other features leveraging Microsoft’s Azure Form  Recognizer and Zuva’s DocAI. The AI Contract Import and Review feature lets customers  import existing contracts in bulk into their LawVu environment up to four times faster, saving  thousands of valuable lawyer hours per year. 

The AI Contract Extraction tool automatically captures and extracts key contract clauses and  important data much faster than before. This saves in-house legal teams huge amounts of  administrative time and effort. The tool pulls critical data from contracts into in-house legal 

teams’ record systems, so it can be used for alerts, notifications and reporting. It also helps  to create a standardised, complete dataset to facilitate reporting functions. 

Delivering customer benefits is not the only way LawVu is using AI. The company has  developed an internal ChatGPT capability using the Azure OpenAI Service, which draws on  LawVu’s database to respond to employee questions. This allows staff to retrieve information  more quickly and simplify manual operations, freeing them up for more creative or  demanding tasks. 

LawVu’s software engineers are also utilizing GitHub Copilot to help them write better code  faster. Using the software’s latest developments in the Copilot Chat, engineers can offload  the laborious task of generating test cases for new code quickly. The speed at which  engineers can test and develop new code allows LawVu to innovate rapidly. 

The company’s AI philosophy is to identify places in the legal workflow where it can add  value without introducing risk. Security is a major consideration as LawVu works to embed AI  in its in-house legal workspace solution. By working closely with Microsoft and utilising built in security and compliance approaches, it can ensure customer data remains ‘containerised’ in the relevant accounts so any AI-enhanced tools can access it without compromising data  security and privacy.  

“LawVu is supercharging the capabilities of in-house legal teams with AI. We are excited to  witness and support their journey in augmenting what teams can do to drive efficiency,  reduce burnout and improve the employee experience in the legal field,” says Lee Hickin,  Chief Technology Officer at Microsoft Australia and New Zealand.  

ENDS 

About LawVu 

LawVu is the legal workspace in-house legal teams use to be more productive and connect  with the business. The unified suite of productivity and collaboration tools allows in-house  lawyers to manage all their matters, contracts, documents, vendors, and reporting from one  cloud-based, secure and connected platform. Founded in 2015 and based in Tauranga,  LawVu develops and distributes its SaaS platform to customers around the world. 

About Microsoft 

Microsoft (Nasdaq: MSFT; @microsoft) enables digital transformation for the era of an  intelligent cloud and an intelligent edge. Its mission is to empower every person and every  organisation on the planet to achieve more. 

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