Car accidents are unfortunate and dangerous. The situation can be worsened and made
even more complicated than usual if you’re hit by an uninsured driver.
Even though it is required by law to have auto insurance, many people
manage to get around it. Some just buy it for a short period of time to
get their car registered and then cancel it. Others just pray for the
best. Especially in a poor economy, the number of uninsured drivers on
the road is rising. So what steps should you take in this situation?
No matter what, always put the safety of everyone involved in the accident
first. If anyone has sustained any injuries, call for an ambulance right
away. If there are any hazards, get everyone to a safe place before proceeding
Call the Police
Even if no one is hurt, you should always call the police so that your
accident can be put officially on record. This can be used later on with
your insurance company or in court, if necessary. Tell the police everything
you can remember at that time, since you may forget it later. This, again,
gives an accurate and detailed official record of the accident.
Get Information on the Other Driver
Get any information that you can from the other driver. Name, phone numbers,
drivers license number, email addresses, car make and model, license plate,
etcetera. Your insurance company will want to know.
Contact Your Insurance
Tell them as soon as possible and find out what kind of coverage you have
over uninsured drivers. They will not increase your rates if the other
driver is at fault.
Contact a Lawyer
Sometimes, your insurance company won’t be on your side. You need
a lawyer’s advice to help navigate you through the process and take
legal action if necessary. Many insurance companies will hire lawyers
to defend the uninsured drivers so that they can compensate you with less.
Or, they’ll just try to give you as little as possible. They are
a business, after all.
If you’ve been involved in an accident,
contact us today for a free consultation.