The aftermath of an auto accident is nerve-wracking at best, especially if the other driver did damage to you, your passengers or your vehicle. Finding out that the other driver doesn’t have insurance is an unwelcome surprise that does nothing to help the situation.
Many people don’t think about what to do if they are involved in an accident with an uninsured driver until they find themselves in that very situation. But with nearly 14% of drivers being uninsured, the possibility of this happening is significant. We want you to be as prepared as possible if this unfortunate situation arises.
What to do after an accident with an uninsured driver
If you have been in an accident with a driver who does not have insurance, here is what you should do:
- Do your best to remain calm. After any accident, it is important for you to try and stay calm so that you can assess the damage with a clear mind. That is much easier said than done, as the confusion and adrenaline that come with accidents is no joke. Try to take a deep breath and first assess if you and the others in your vehicle are okay. If you have any reason to believe that you were injured in the collision, immediately call 9-1-1. It is better to be safe than sorry.
- Take the information of the other driver. Get the other driver’s name, contact information, the make/model of the other vehicle and the license plate numbers. Write down this information or text it to yourself – memory can be spotty after an accident, so documenting this information in a way that you can look at later is helpful.
- Take pictures of the damage. Take pictures of all the damage to your vehicle, the other vehicle and the license plate of the car that hit you.
- Call the police. Calling the police is a good idea, especially if the damage to either car is more than a basic fender bender. Police can make a report of the incident which can help with your insurance claim later on.
- Call your insurance provider as soon as you are able to. Check with your provider to see if you have uninsured motorist coverage. This coverage may compensate you for any damage done by uninsured motorists that their insurance would normally provide.
Following these steps will help you cover your bases if you need to take out an insurance claim and put you in contact with people who can recommend the next steps to take.
What happens if I don’t have uninsured motorist insurance?
If you don’t have uninsured motorist insurance, you might still be able to pursue coverage for damages that you or your property have incurred. Drivers are required to have insurance, so you may be able to seek further legal action if you find yourself stuck because the other driver is without insurance. If this is a possibility that you would like to explore, consider contacting a personal injury attorney to hear about what that process looks like.