So, you want to get the ball rolling immediately after you learn that the other driver has no or not enough insurance. Learn more about underinsured and uninsured motorist coverage. If you live in a no-fault car insurance state, your own insurance coverage will pay for your medical bills and certain other covered losses after a car accident, so the fact that the other driver wasn't insured might not matter as much.
But when the other driver has no insurance, filing a lawsuit can be something of a dead end more on this later. Learn more about how no-fault car insurance works. In states that don't follow mandatory no-fault rules, drivers can often purchase "personal injury protection" PIP or "Medical Payments" "MedPay" coverage, which can be used to pay your medical bills after a car accident with an uninsured driver.
With PIP and MedPay, y ou usually don't have to wait until you finish treatment before making a claim; you can send in your bills as they come in. Collision coverage can also be added to a car insurance policy at an extra cost , and will pay to repair your vehicle if you're in an accident, if you were at fault, if the other at-fault driver is uninsured, or if you were hit by a hit-and-run driver. But the big thing to keep in mind here is that collision coverage won't apply to your injuries, just the cost of getting your car fixed up to the limits of your coverage.
Learn more about using collision coverage for vehicle damage. You can file a car accident lawsuit in this situation, but even if you win, it may be something of a hollow victory. If you obtain a judgment against an uninsured driver, there's no guarantee that you will actually be able to collect the judgment or any portion of it.
An uninsured driver might not have much in the way of assets, so trying to enforce the judgment could be a losing battle. After a car accident , your best course of action is to report the accident to your car insurance company and find out how your coverage applies.
In addition, that person may be drunk or intoxicated and fear being arrested for DUI. Other people choose to leave if it takes the police too long to arrive at the scene. In some states, leaving the scene of an accident is a crime. However, if you are in an accident in which the other driver flees the scene, below are steps that can be taken. Even if the at-fault party is not identified, all is not lost. You still may be able to make a claim under your uninsured motorist coverage. Uninsured motorist coverage is there is protect you when there is no liability insurance available to compensate you for the injuries you have sustained.
Hit and run cases are often highly disputed and it is always advisable to hire an experienced car wreck attorney if you are involved in one. A personal injury attorney will be able to identify any available insurance policies, evaluate your claim, and guide you through the complexities of a car accident case.
What should I do after an accident? What if the person who hit me drove away? For the first few million years, hominin evolution was slow.
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The first big change was walking upright , which let hominins move from forests into more open grassland and bush. But if they walked like us, nothing else suggests the first hominins were any more human than chimps or gorillas. Ardipithecus , the earliest well-known hominin, had a brain that was slightly smaller than a chimp's , and there's no evidence they used tools.
In the next million years, Australopithecus appeared. Australopithecus had a slightly larger brain — larger than a chimp's, but still smaller than a gorilla's. It made slightly more sophisticated tools than chimps, using sharp stones to butcher animals.
Then came Homo habilis. For the first time, hominin brain size exceeded that of other apes. Tools — stone flakes, hammer stones, "choppers" — became much more complex.
After that, around two million years ago, human evolution accelerated, for reasons we're yet to understand. At this point, Homo erectus appeared. Erectus was taller, more like us in stature, and had large brains — several times bigger than a chimp's brain, and up to two-thirds the size of ours. They made sophisticated tools , like stone handaxes.
This was a major technological advance. Handaxes needed skill and planning to create, and you probably had to be taught how to make one. It may have been a metatool — used to fashion other tools , like spears and digging sticks.
Like us, Homo erectus had small teeth. That suggests a shift from plant-based diets to eating more meat, probably obtained from hunting. It's here that our evolution seems to accelerate. The big-brained Erectus soon gave rise to even larger-brained species. These highly intelligent hominins spread through Africa and Eurasia, evolving into Neanderthals , Denisovans , Homo rhodesiensis and archaic Homo sapiens. Technology became far more advanced — stone-tipped spears and firemaking appeared.
Objects with no clear functionality, such as jewellery and art , also showed up over the past half-million years. Some of these species were startlingly like us in their skeletons, and their DNA. Homo neanderthalensis, the Neanderthals, had brains approaching ours in size, and evolved even larger brains over time until the last Neanderthals had cranial capacities comparable to a modern human's. They might have thought of themselves, even spoke of themselves, as human. The Neanderthal archaeological record records uniquely human behaviour , suggesting a mind resembling ours.
Neanderthals were skilled, versatile hunters , exploiting everything from rabbits to rhinoceroses and woolly mammoths. They made sophisticated tools, like throwing spears tipped with stone points.
They fashioned jewellery from shells , animal teeth and eagle talons , and made cave art. And Neanderthal ears were, like ours, adapted to hear the subtleties of speech. We know they buried their dead , and probably mourned them.
There's so much about Neanderthals we don't know, and never will. But if they were so like us in their skeletons and their behaviours, it's reasonable to guess they may have been like us in other ways that don't leave a record — that they sang and danced, that they feared spirits and worshipped gods, that they wondered at the stars, told stories, laughed with friends, and loved their children.
Read more about the secret lives of Neanderthal children. Click on the arrows to change the translation direction. Follow us. Choose a dictionary. Clear explanations of natural written and spoken English.
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