The Insurance Information Institute reported in 2019 that 12.6% of drivers had no insurance. Despite legal requirements, people continue to drive without having any insurance protection, which is bad for everyone else on the roads.
Car accidents are often unexpected and stressful events, and they can become even more complicated when the other driver involved does not have insurance. If you find yourself in a collision with an uninsured driver, it helps to have a plan in place for moving forward.
Stay calm and ensure safety
First and foremost, remain calm and prioritize safety. Check yourself and any passengers for injuries. If possible, move your vehicle to a safe location to avoid further accidents.
Contact the police
It is wise to involve law enforcement in the situation. Call the police and wait for them to arrive. They will assess the accident scene, create an official report and collect necessary information.
While waiting for the police, take photos of the accident scene, including the damage to both vehicles, any road signs, traffic signals and the position of the cars. Also, exchange essential information, such as names, phone numbers, addresses and license plate numbers, with the other driver. This documentation can be valuable when dealing with insurance or potential legal issues.
Notify your insurance company
Inform your own insurance company about the accident. They can provide guidance on how to proceed and help you file a claim if necessary. Review your insurance policy to see if you have uninsured or underinsured motorist coverage. It may cover your medical expenses and property damage.
Prepare for challenges
Dealing with an uninsured driver can be frustrating, and you may face challenges when seeking compensation for damages. Your insurance company may help you navigate these challenges, especially if it ends up paying for your expenses. You may also need to go to court and sue the other party.
Accidents involving uninsured drivers can be complex and stressful. Taking these steps can help to resolve the situation as smoothly as possible.