While you may be peacefully driving and respecting all the road rules, as of a sudden, another car is smashing yours, as a result, you probably got injured and your car is damaged, worse, you find out that the other driver does not have insurance.
In case of such a scenario happened to you, keep calm and don’t panic, and follow the following 5 steps to manage the situation well.
CALLING 911 IN CASE OF AN ACCIDENT WITH AN UNINSURED DRIVER
As soon as you face a car accident with a driver with no insurance, calling 911 is the first action you should be taking, as having the accident reported and recorded by a police officer can help you to get your accident expenses covered as well as go through a simplified claim process.
In addition, remember to take clear pictures of the damaged area of your car, the location where the accident took place, and any other evidence that might be useful.
As soon as the police arrive at the accident place, they will ask both of you for your information, and this when you actually may know that the other driver is not insured. Remember to remain calm, behave politely, and collect as much information as possible about anything related to the other driver and their car. Moreover, having the contact information of witnesses would be very helpful.
CALL YOUR INSURER AFTER AN ACCIDENT WITH AN UNINSURED DRIVER
Generally, when you make an accident, the insurance company can interfere to cover you, depending on the insurance policy you opted for in the first place, the damage your car experienced, and other factors. So, remember to call your insurance provider to see how they can help you.
TAKE CARE OF YOURSELF
Unfortunately, injuries resulted from a car accident come with costly medical expenses sometimes. Mostly, the bodily injury liability of the other driver could take charge of any medical expenses. However, in case they don’t have insurance coverage, your health insurance would step in and take care of your medical bills.
Besides, in case you don’t have uninsured motorist bodily injury protection, your insurance provider will help you pay your medical bills, along with other things that the insurance of the other driver is supposed to cover.
TAKE CARE OF YOUR CAR
In most cases, your insurance provider will take charge of the cost of repairing your car in case you have uninsured motorist property damage protection. Otherwise, since your coverage won’t be enough to take charge of the repair costs of your car, consider resorting to the courts for compensation, which could be a long and tough way.
Why should you get uninsured motorist protection?
Getting uninsured motorist protection is important as it can cover both you and your car, taking charge of your medical expenses and also the repair costs of your car. On the other hand, uninsured motorist bodily injury coverage can pay your medical bills and cover your expenses in case you are not able to work after having the accident. Moreover, the property damage part of this coverage type would take responsibility for paying the costs of repairing your damaged car.