How To Handle Being Hit by Uninsured Driver

Most people understand the importance and necessity of having car insurance. Unfortunately, some people still drive uninsured for any number of reasons. Uninsured drivers do not make roadways unsafe, but they do make things frustrating in the case of an accident. If an uninsured driver hits you, and you do not have collision coverage, you likely will have to pay out of your own pocket. This blog post will walk through the steps to take after getting into an accident with an uninsured driver.

Call Emergency Services

The first thing you should do in an accident is call emergency services, especially if it’s a severe accident. Even if there is no injury or minimal damage, emergency services should still be informed. 

Information Exchange

Next, you’re going to want to exchange information with the other driver. Even though they do not have insurance, you should get their contact info for the purposes of your claim. During, before, or after the information exchange the other driver may offer cash or something else to not involve insurance or police. Keep in mind you likely have no idea the actual cost for the repair, medical bills, and other expenses that result from a  car accident. 

Photo Shoot

After you’ve exchanged information, take plenty of photos, videos, and gather information of any witnesses. Make sure you take pictures of all vehicles involved, not just yours. You will be needing the photos during your insurance claim filing. 

Call For Claims

Finally, it’s time to inform your insurance company. They will ask for your policy number, so be sure to have your insurance card around. They will likely ask for the information and photos you have gathered and a police report number. 

Take-Home Message

If you are driving without insurance, you are taking a huge risk. If you are caught driving uninsured multiple times, you will face staggering fines, license suspensions, and may need to file for Sr-22 insurance. On top of that, if you are at fault for an accident, the other person has the option of filing a lawsuit for damages. Don’t risk it, get yourself insured with at least liability insurance.