I Was Hit By An Uninsured Driver – Now What?

I Was Hit By An Uninsured Driver – Now What?

Statisticsfrom theInsurance Research Council indicates that one in eight drivers on American roads isn’t insured. Basic liability insurance is a legal requirement in almost every state, but there are still drivers driving vehicles without coverage.

These drivers either don’t have insurance or have stopped paying premiums and lost coverage. This aspect can spell bad news for all parties involved if there’s an accident. Fortunately, there are ways to get compensation, and here’s what you need to do to get it:


1. Call the Police

You need to report an accident, regardless of whether the other driver has insurance or not. Call the police immediately and explain all of the details to them. This step doesn’t just help you get assistance from emergency services but will also create an official record of the accident. This record can help with the claims process down the line.


2. Get the Other Driver’s Information

It’s natural to feel angry and frustrated when you find out the other driver doesn’t have any insurance. However, you should maintain your calm and get all the essential information from them. Ask them for their name and contact information and make a note of their license plate number and car model. This information will come in handy when you’re going through the claims process.


3. Don’t Accept Any Money

Car owners without insurance can get into trouble with the law. They might have to pay hefty fines, or their license may get revoked. Many car owners will try to offer you money and convince you not to pursue the claim. Don’t accept this money because it might not be enough to cover all of your repair and medical expenses. You will get adequate compensation from an insurance company later.


4. Take Pictures

Take pictures of the accident, accident location, the damage to the car, and of your injuries. It is also a good idea to take photos of the other vehicles involved in the accident. These photographs will be a part of your evidence when you file for the claim. You should also take pictures of the surrounding area, especially the traffic lights and vehicle direction. Experts will analyze all of the photographic evidence carefully before the insurance company grants your claim.


5. Call Your Insurance Company

The next step is to call your insurance company. Provide all the details about the accident and send them photographic evidence. Give them the other driver’s name and contact details so they can sort out the compensation on your behalf. The process will be easy if you have uninsured driver coverage. The insurance company will pay you for the damages directly. If you’re a part of a no-fault state, the insurance company must handle the compensation by law.


6. Call A Lawyer

If you’ve suffered severe damage and injuries as a result of the accident, you need to call your lawyer after you contact the police and the insurance company. You might be forced to take the other driver to court to get compensation for medical bills, damages, and the accident’s impact on your life.

The lawyer will carefully examine all of the evidence, speak with witnesses, get a second opinion, and collect additional evidence if needed. They will prepare the case and negotiate with the other driver on your behalf.

These tips will help you gain compensation and avoid paying accident-related expenses out of your pocket. Don’t panic or get into an argument with the other driver when you find out they have no insurance. There are other options available to you. An experienced personal injury lawyer can help you through the process.

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