Getting into an accident with an uninsured driver brings along with it a whole new level of questions and uncertainty. When you are hit by an insured driver, you exchange information and let your insurance companies work things out. What do you do when you are hit by an uninsured driver?
Get as Much Information As Possible
First, just like with a regular accident, you need to get as much information as possible from the other driver. Get their full name, address, phone number, and email address. Also, don't forget to jot down their driver's license and license plate number to see the registration information for their car so you can verify who owns the vehicle. The more information that you get, the more likely you are to be able to get some compensation from the driver or the actual owner of the vehicle. Don't fail to get information just because the driver tells you that they are uninsured.
Be Sure to Call the Police
Second, as with any accident, you should call the police. Calling the police is even more important when the motorist is uninsured. The police will issue the uninsured motorist a ticket for not carrying insurance. The police will also get information from the uninsured motorist and verify their identity.
File an Uninsured Motorist Claim with Your Insurance
Third, you should call your insurance company and see if you have uninsured motorist coverage. This is extra coverage that many people carry. If you have this coverage, you can make a claim with your insurance and they should cover any damage to your vehicle. In a no-fault insurance state, your insurance company should cover the damage regardless of who was at fault.
Have An Attorney Review Your Case
Finally, hire an attorney to review your case. You may be able to pursue a case against the person who hit your vehicle. Don't assume that you can't get compensation just because the driver was not carrying insurance. The driver may be carrying other assets.
If you were a party involved in an accident with an uninsured driver, you need to get as much information at the scene, make sure a police report is filed, file an uninsured motorist claim with your insurance provider and have an attorney look over your case. Personal injury law attorneys can help you determine if pursuing a personal injury case will be beneficial to your case.
