Did you know that nearly one in eight motorists is uninsured, putting law-abiding motorists at greater risk?
Being hit by another vehicle is stressful enough, but when you’re hit by an uninsured driver, this can send you into a state of panic.
So what should you do if you’ve been in an accident with an uninsured driver?
In this article, we’ll look at what you should do if you’re caught in an accident with someone with no auto insurance.
The first thing that you should do following any car accident is to call 911. Give the call handler details about the location of the car accident along with the extent of the crash.
If anyone has been injured, request that they dispatch an ambulance.
The attending police officer will help to determine who is at fault and will write a report.
Once this information is recorded, find out where you can get a copy of the report from. These are typically available within two days. You’ll need this report when filing a claim with your insurer.
The next step is to document the scene. Take photos of the damage to your vehicle and to others. Note down details, such as who was driving each vehicle, the driving conditions, and what happened leading up to the accident.
The more you can note down now, the easier it will be when it comes to making an insurance claim.
Once the police are at the scene, they will take the other driver’s information. It’s essential that you also do this. Here’s what you need to record:
- The driver’s name
- License plate numbers of all vehicles involved
- The make and model of every vehicle involved
- Driver’s license number and the state that it was issues
- The location of the accident
- The contact information of eyewitnesses
You should also note down the number and name of any attending police officers.
Get in Touch With Your Insurer
You should then contact your insurance company while the accident is fresh in your memory. Let them know that the other driver has no car insurance and that you intend to file an uninsured car accident claim.
Your insurance company will need to conduct an investigation to check if all of the information is accurate. Having the police report will help to speed the process along.
What to Do If you’ve Been Hit By an Uninsured Driver
If you’ve been hit by an uninsured driver, the first thing that you should do is call 911. Then, gather up information about the accident. Get in touch with your insurance company as soon as possible after the accident.
To alleviate the stress of being in a collision with uninsured drivers, you should take out uninsured driver’s coverage.
To find out how Insured ASAP can help you, get a quote today.