It is mandatory for anyone who has a car and a license to drive to obtain auto insurance. But it is estimated that one in seven drivers on the road do not have car insurance at all.
Knowing what to do after your accident is incredibly important. Knowing and being aware of common mistakes to avoid and how to be fully compensated for medical expenses and repairs to your car is very important.
If you find yourself involved in an accident with a driver who is uninsured, you may have to rely solely on your own insurance company to cover your damages. You may also want to check your policy to see of you have uninsured motorist coverage. Uninsured motorist coverage protects you in case you are involved in an accident with a driver who does not have car insurance and who is to be the driver who is deemed at fault for the accident. We will go into uninsured motorist coverage in more depth at a later time.
Here are some tips to handling an accident with a driver who does not have insurance:
- Call the police to the scene – when it comes to car accidents where there is more than minor damage or a fender bender where no one was injured, it is a good idea to call the police to the scene to take down a report. It’s actually more important when you are in an accident that involves an uninsured driver. Having the police come to the scene of the accident and take a report will be incredibly beneficial when it comes to getting your expenses covered and can help in the claim process.
- Make sure to also take pictures of any damage to the car, the location where the accident took place, skid marks, and any other details that you can of the scene.
- Exchange information with the other driver – you may not find out until after the police arrive that the other driver is uninsured. But be sure to get all of the information you can about the other driver and their vehicle, as well as contact information from any of the passengers, as well as any witnesses to the accident.
- Contact your insurance company – just like any other accident, you want to contact your insurance company and get started on the claim process. If you have uninsured motorist coverage for both bodily injury and property damage, your insurance company will be able to help you move forward with making your claim. If you do not have this coverage, an agent will help you plan your next steps.
- Take care of yourself – if you were injured in an accident, you will begin to incur medical bills and normally the other driver’s insurance coverage would take care of it. But in a situation where you are in an accident with a driver who does not have insurance, your health insurance may take care of the medical bill, or if you have a MedPay policy attached to your car insurance policy.
- Take care of your car – talk to your insurance company to see what you can do in order to get your car repaired. If you have uninsured motorist property damage protection, your repairs should be taken care of as though the other driver’s insurance were taking care of it.
- Hire an attorney – if you have been in an accident with an uninsured motorist, you have rights. Contact a personal injury attorney to help you navigate through this time. While you are focusing on your recovery, your personal injury attorney will take the burden off of your shoulders and will work with your insurance company and the at-fault driver to get you the settlement you deserve.
If you have been injured in an accident and are in need of an experienced personal injury attorney, contact our office today. Consultations are free.