A Guide on What to Do After an Accident With an Uninsured Driver
Did you know that there are 28 million uninsured drivers in the United States? Your wallet just took a hit, but your car never came out as the winner?
You were the victim of a hit and run, even though the person behind the wheel wasn’t carrying valid insurance. As you try to recover from the incident, you only have to worry about absorbing expensive car repairs and lost time at work.
But there are ways that you can minimize the stress of the situation. Here is a quick list of what to do when an uninsured driver hits you.
Check What Your Own Car Insurance Policy Covers
If you are in an accident with an uninsured driver, checking your car insurance policy is a critical first step. Knowing your coverage is essential to make the most informed decision possible about what to do next.
If you are insured, you may have coverage for medical expenses, property damages, or any other costs associated with the accident. In some cases, the other driver’s liability insurance may pick up the tab, while in other cases, you may have to file a claim with your insurance carrier.
You can best assess which option is right for you and your situation with a thorough investigation. Research the types of coverage your plan offers, the associated costs, and details of the processes before you make any decisions.
Contact the Other Driver
If you have been in an accident with an uninsured driver, you should first contact the other driver. Be calm, polite, and respectful, and ask if they are OK. Exchange names and contact information and politely ask for their insurance information.
Ask how they intend to pay for repairs to your vehicle and provide them with a detailed estimate of the cost. Make sure to keep a record of all of your correspondence for later.
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Seeking Medical Attention Right Away
Seeking medical attention right away after an accident with an uninsured driver is crucial to ensure that you are safe and healthy. Immediately following the crash, take note of any pain you may feel, ranging from head to toe. Even minor injuries that might initially seem insignificant can cause more severe problems.
If you’re feeling pain or discomfort, go to the emergency room or your doctor as soon as possible. Furthermore, if you are feeling lightheaded, nauseous, have memory issues, have feelings of depression, or have other symptoms, seek medical attention as soon as possible.
Make sure to keep a record of all original medical bills, as these may become important in any claim you might have against the uninsured driver.
Gather Evidence and Document
If you’re involved in an accident with an uninsured driver, it’s essential to gather evidence and document the details of the incident. If you can, take pictures of your vehicle, the other driver’s vehicle, and any visible damage or injuries. Record any information about the other driver, like their name, contact info, and license plate.
Got Hit by an Uninsured Driver? Here’s What to Do
Overall, it is essential to remain calm and stay safe after an accident with an uninsured driver. Make sure to get the other driver’s contact and insurance details, take pictures or videos of the accident, and call the police.
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