Here we talk about What Happens if You’re Hit by an Uninsured Driver? and what to do
Have you been involved in a car accident with an uninsured driver? There are more than 32 million uninsured drivers in the United States alone. Being injured by an uninsured driver can be stressful.
That’s because unlike being struck by an insured driver, an uninsured has no policy covering their actions behind the wheel. This can put you at risk of going out of pocket to cover your damages, or filing a lawsuit against the driver and getting nothing at all.
Read on to learn about what you should do if you are hit by an uninsured driver!
Collect Names and Contact Information
Auto accidents are a stressful situation and can be a life-changing event for you and your family. Despite the severity of the accident, you must do your best to collect the names and contact information of all witnesses.
These individuals can provide crucial information about the facts and circumstances of the accident. This includes providing testimony about the accident that shows the uninsured driver is at-fault in the crash.
Request a Police Report
You must document the accident and your car accident injuries. One of the most important ways to do this is by calling the police right after the accident.
The responding officers will prepare a police report or crash report. This will document important information about the wreck. They can also take statements from witnesses. This can allow the officer to gather enough info to issue a citation to the uninsured driver.
File an Insurance Claim
You need to report the accident to your insurance company as soon as possible after the crash. Your insurance policy may have uninsured motorist coverage. This is insurance that kicks in when the at-fault driver does not have insurance.
Without uninsured motorist coverage, your insurance company will not be responsible for paying you on behalf of that person.
Speak With an Attorney
You should speak with an attorney to understand your rights after a crash with an uninsured motorist. Plaintiffs attorneys like those at Sweet Lawyers will be ready to take your case and represent your interests in and out of court.
When you discuss the accident, be honest with your lawyer about what happened. This will help your attorney give you a realistic idea about the strengths and weaknesses of your claim. You can then decide the way you want to proceed with your case.
Dealing With an Uninsured Driver
Being in a crash with an uninsured driver can be a frustrating and painful experience. Since there are so many motorists traveling without insurance, understanding how to handle this situation will help you if it happens.
Don’t underestimate the importance of being prepared for the unexpected as a driver. Are you looking for other ways to protect yourself and your family on and off the road? Check out our blog section for posts with tips and tricks to put to use in your life now!