Trouble With Insurance: How To Deal With An Accident With An Uninsured Driver
It can be challenging to wake up on a beautiful morning and to find yourself later part of a horrifying incident such as a car accident. What would make things worse is that you’ll find out that the person who has hit you is not insured. It would make your already stressful situation even more stressful. Thinking about what you should do could be much harder in a situation like this. However, you should never forget that whatever you do next will have significant effects on your situation’s outcome. Even if the person who crashed into you has no insurance, there are legal steps that you can take to ensure that you’ll still be adequately compensated for your damages.
- Assess everyone for any injuries
You should assess yourself for any damages to your body that you may have received. As soon as you’ve ensured that you’re okay, you should check everyone else inside your vehicle. You should also check the people inside the other car.
When you see that there’s someone who’s injured, if you’re not a medical professional, you should never move the person.
- Seek medical help
You should immediately seek medical attention, whether you see or feel any injury. You may have a severe underlying symptom which only a medical professional can detect.
If you go to the doctor:
- You can get professional help in treating your injuries
- The healthcare professional can help assess your damages and prove that these damages are from your vehicle accident
- The doctor will be able to give you a medical report which you can use when filing for compensation or a lawsuit
- Get in touch with the law enforcement
You should never settle the accident among yourselves, even if the crash seems to be a minor one. You should also stay at the scene and wait for the police to arrive. Running away would make you look guilty of the crash.
If you wait for the police:
- You’ll avoid facing additional fines
- You can give your statement that would be included in the initial police report
- The police can protect from fraud, especially that the other driver is not insured
- Consult a lawyer
You should immediately get in touch with a vehicle accident lawyer. The lawyer will be able to help you on what you should in dealing with a car crash where the other party involved is uninsured. He/she can also prevent you from making mistakes that can be legally damaging on your end.
- Exchange information with everyone involved
You should talk with the other party involved. Remember to keep yourself calm when communicating with him/her, even if he/she is uninsured. Shouting at him/her or instigating a fight will only result in you aggravating him/her. If you do this, he/she may end up uncooperative when you file for compensation.
You should exchange:
- Names and phone numbers
- Vehicle’s model, make, and license number
Doing this will ensure that you can get in touch with him/her.
- Gather shreds of evidence
You should collect evidence as much as you can. The pieces of evidence will help you prove your claim and even prove who’s at fault.
- Take photos of your damages
- Collect video footages in the accident’s area
- Take pictures of the scene of the accident
- Call your insurance company
Since you already have your needed information, you should then get in touch with your insurance provider. You have to inform your insurance company about the crash, and never forget to tell them that the other party involved in the accident is not insured.
You should give the insurance company’s operator:
- Your policy number
- Time, date, and place of the crash
- The contact information of the other driver
- The police officer that catered to your accident
- Police report number
This can be stressful since you’re dealing with someone who’s uninsured. However, if you keep the ways to deal with an accident with an uninsured driver that we have listed above, you’ll be more than okay. If you need legal help in dealing with a driver who has no insurance, click here.