Dealing with Uninsured Drivers
Posted on behalf of Henness & Haight on Apr 16, 2015 in Insurance News
Being involved in a car accident is one of the most stressful experiences a person can have. It is already hard enough to think straight while you gather information, take photos and speak with witnesses. When the time comes to exchange insurance information and you find out the other driver is uninsured, a stressful time can turn into a nightmare. Here are the steps you should take if you are involved in such an incident.
Call the Police
It is almost always a good idea to call the police to the scene of an accident anyway. When you are involved in an accident with an uninsured driver, however, it is vital. You want to make sure you have a police report and official accident record when the time comes to get repairs and claims taken care of.
Just as with any accident, you should exchange contact information with the other driver. It is extremely important that you gather any information you can about the other driver, including their name, address, phone number, email and even their vehicle's license plate number. All of this will be of use in handling claims.
Make sure you interview all witnesses to the accident and get their contact information as well. You may have to call upon their testimony if there is need to determine responsibility for the accident.
See a Doctor
As soon as you finish up at the scene, get yourself taken care of. Have a doctor look you over and address any injuries you might have. Not only will this be important for your claim, it is important for you. Making sure you are healthy and well is always a primary concern.
Understand that, at least on the outset, you may have to use your own healthcare to cover your injuries. Your qualified personal injury attorney can help you recover these damages later.
Call the Insurance Company
Always report any accident to your insurance company within 24 hours and report the incident to the police. Be sure to let them know that the other party was uninsured. Your insurance company can then help you address what your next step should be.
Some insurance companies offer uninsured motorist bodily injury coverage, and if you have this, you can file a claim with your insurance company with no fault to you. If you do not have this kind of coverage, your claims agent will advise you on what to do next.
Call an Attorney
Uninsured and under-insured motorists can cause quite the headache to responsible drivers. You should always call a qualified accident and personal injury lawyer to help advise you in these situations. An attorney can protect and fight for your rights so that you do not suffer any more than you need to during these trying times.
Most accidents of this sort are handled outside of court, but the laws involving them are tricky to handle. If you have been the victim of an auto accident involving an uninsured motorist, we are here to help. Contact us for a free consultation today.