In most U.S. states, car owners are often legally required to get auto insurance for their vehicles. Unfortunately, this doesn’t guarantee that everyone will follow the law. The risk of getting hit by an uninsured driver is always present. And there are many insured drivers who don’t know how to respond in these situations.
Here, we’ll teach you exactly what to do if you’re hit by an uninsured driver – no matter which state you live in. Plus, find out why skipping car insurance is never a good idea.
5 Things To Do If You’re Hit By An Uninsured Driver
Once you find out that the driver who hit you lacks car insurance, it’s important that you take these steps for the best possible outcome.
Step 1: Inform the police
Unless there is a medical emergency, calling the police is the first thing to do in any car accident. Wait for officers to arrive at the scene and let them know what happened to the best of your memory.
The police will prepare a written report of the accident. You can use the document to help with lawsuits or when filing claims.
Step 2: Get as much proof as you can
While waiting for police officers to respond, take photos of the accident. Make sure to snap clear pictures of the following from different angles:
- Damages sustained by involved vehicles (including close-ups)
- The license plate of the uninsured driver
- The location where the accident took place
- If you have a dash cam that recorded the event, you should secure it as well. Photos and videos will make it easier for you to file for claims or win a case if you decide to sue.
Step 3: Exchange information
Before leaving the scene, ask the uninsured driver to provide you their details such as…
- Full name
- Phone number
- Home address
- Car model, make, and color
Step 4: Prepare your own report of the accident
One more thing you should do before leaving is to write down your own report of the incident. It must include…
- Time and location of the accident
- Information of the uninsured driver
- Names and badge numbers of responding police officers
Step 5: Call your car insurance provider
Finally, when you have all the information you need, get in touch with your car insurance company. Ask them about your coverage and the benefits you can qualify for. Provide your insurance agent with the documents you prepared from Steps 1-4 and you should be able to successfully file for claims.
Why Skipping Auto Insurance Is Never A Good Idea
In spite of legal necessity, some car owners avoid getting any car insurance at all. Others start out having one but stop paying for their premiums, causing them to lose their coverage. Drivers usually skip auto insurance thinking it will cut their costs. However, you actually end up spending more money.
In states with no-fault laws, uninsured drivers have to cover the cost of repairing and replacing parts of their damaged vehicle, along with paying for their medical expenses.
In states with tort insurance laws, uninsured drivers who are legally at fault of the accident can be sued by the insurance companies of drivers who aren’t at fault.