Getting into a car accident can be incredibly frightening and stressful. If the accident occurred with an uninsured driver, it can add to the stress. Though liability insurance is required in every state, the Insurance Research Council estimates that one out of every eight drivers does not have car insurance. These tips can help you know what to do after a car accident should you get hit by an uninsured driver.
Call the Police
No matter how minor the accident is, it’s always a good idea to call the police. This is especially important if the other driver was uninsured. The police will be able to investigate the accident and make a report as to what happened and who is at fault. Using this information, your insurance company can help you process your claim and get you the help you need.
Exchange contact information and vehicle details with the other driver. Additionally, it’s a good idea to write down the name of the police officer who attended the accident and his or her badge number.
Look into a Lawyer
Trying to get the uninsured driver to pay your repairs and take care of your medical bills can be frustrating. An auto accident injury attorney service can help. Auto accident injury lawyers are well-versed in the best ways to take care of a car accident caused by an uninsured driver. The lawyer can help negotiate the terms of the case, refer you to physical therapists and help with compensation for lost wages.
Never Accept Money
The uninsured driver may offer money in order to cover the cost of repairing your vehicle and getting medical care. Because there are legal repercussions to not having car insurance, uninsured drivers may offer the money in order to avoid getting fined. Unfortunately, you have no idea of the exact cost to repair your vehicle or what medical care you may need. Politely decline any money offers.
Should there be any type of dispute as to what occurred during the accident and who is at fault, taking pictures at the scene can help resolve these issues. Take pictures from multiple angles of all the vehicles involved in the accident, any property damage and the surrounding roads. Make sure to include any stop signs, construction work or road signs in the pictures in order to make a detailed scene of what exactly happened at the time of the accident.
Author information: Anica Oaks is a professional content and copywriter who graduated from the University of San Francisco. She loves dogs, the ocean, and anything outdoor-related. She was raised in a big family, so she’s used to putting things to a vote. Also, cartwheels are her specialty. You can connect with Anica here.