No matter how safely you drive, accidents can happen.
Plus, around 1 in 8 drivers on the road don’t have car insurance.
So, you may have an accident with an uninsured driver.
If this happens, you still have options.
Keep reading to find out what you need to do after an accident with an uninsured driver
Make Sure That You Are Safe
The first thing to do is make sure that you are not in danger. If you are, move to a safe place.
You may have been hit by an uninsured driver on the main road. If your vehicle is in the middle of the road, you’re at risk of being hit again. If possible, exit the vehicle and move to a safe space away from the road.
Call the Police
You should call the police department. They will be able to attend the scene and make sure that everyone is safe.
They will also make a report of the incident, taking all the details needed. In the future, this can help you to get your expenses covered and make the claims process smoother.
Don’t Accept Money
The uninsured driver that hit you could face some heavy fines and fees. They might try to give you money at the scene of the accident in the hopes that you don’t contact the insurance company.
However, at this point, you don’t know what the cost of your damages or injuries will be. So, don’t take any money from the other person.
Wait and go through the proper official processes. That way, you’ll be able to make sure that all of your costs are covered.
Make sure to take the uninsured driver’s contact details. When you make your claim with your insurance company, this is one of the first things they will ask you for. That way, they can contact the person who hit you.
If there are any witnesses, ask them for their contact information too. They may be able to give statements that can help your claims process.
Gather and record as many details as you can. This will include the time and location of the accident, as well as the make and model of the vehicle that hit you.
It’s also a good idea to take down the name and badge number of the police officer who attends the scene.
Note down any other details that you think could help your claim. This will help you to recall the information over the coming days and weeks.
As well as writing down information, try to take photos. This means that your claims are backed up by evidence.
Take photos of the other driver’s license plate. Also get the damage to your car, and the other person’s.
Take photos of any other details that could be helpful. These might include the area that the accident happened in, traffic signs, and the direction that both vehicles were traveling in.
Contact Your Insurance Company
Contact your insurance company as soon as it’s safe to do so. Tell them about the accident, and make it clear that you were hit by an uninsured driver.
It’s likely that they will first ask you for your policy number. You can then tell them all of the details that you have collected.
You should be covered by your uninsured motorist coverage. If you’re uncertain, contact your insurance company to discuss further.
Contact a Lawyer
If you’ve been hit by an uninsured driver, it’s also a good idea to consider your legal options. By taking legal action against the driver who was acting irresponsibly or recklessly, you can help to make sure they don’t make the same mistake again.
If you’re in Kentucky or the nearby area, and you’ve been hit by an uninsured driver, contact the Thomas Law Offices now. They can help make sure that what happened to you doesn’t happen again.
What To Do After an Accident With an Uninsured Driver
You may have an accident with an uninsured driver that’s not your fault. If you do, stay calm and follow these steps. That way, you’ll be able to protect yourself and other people on the road.
While you’re here, take a look at our pieces of legal advice.