What to Do If You’re Hit by an Uninsured Driver
Car accidents happen. When they do, it can sometimes be a small comfort to know that car insurance coverage, whether it’s your own or the other driver’s, will kick in to help pay for medical treatment and vehicle damage. However, in some cases, the other driver may not have any (or enough) car insurance. If an uninsured driver hits your vehicle, follow these tips.
What to Do at the Scene of the Accident:
After the accident, you’ll want to pull over to the side of the road safely and where it is suitable to stop your vehicle. An uninsured driver may be reluctant to give you any details so there’s no guarantee that even if the driver sticks around you’ll be able to get information from them. What you can do is gather as much information as you can at the scene of the accident:
- Take images on your phone
- Record a description of the driver
- Ask for contact details of any witnesses
- Take down the make, model, color, and license plate details of the other car involved (if possible)
- Call the police and let them know the driver is uninsured
- Inform your insurance company of the accident
Uninsured Motorist Coverage
If you are involved in an accident with a driver who doesn’t have any car insurance at all, you will likely have to turn to your own insurance to cover expenses relating to the accident. If you have uninsured motorist coverage within your policy, then you will be protected when you’re involved in an accident with a driver who doesn’t have car insurance and who is found to be at fault for the accident.
Uninsured motorist coverage helps to pay for damages resulting from the accident, just as your injuries, vehicle damage, and more. Let your insurer know as soon as possible that the driver is uninsured and ask if your own coverage will help to pay for the expenses.