3 Things To Know About Being Hit By An Uninsured Driver

A startling number of drivers on the road today do not have insurance. They drive around hoping that they don't get into an accident. If you ever get into an accident with an uninsured driver, you need to know what to do and how to handle the situation.

#1 Call the Police

The first thing you should do after any car accident is call the police. Leaving the scene of an accident is a really quick way to get a ticket. If the other driver tells you they don't have insurance and asks you not to call the police, you should call the police anyways. It is not your fault that the other driver does not have car insurance; it is their responsibility and their consequence if they get a ticket for not having car insurance.

You need to make sure that your priority is protecting yourself, which means calling the police and reporting the accident. This will help ensure that you don't get a ticket for leaving the scene of an accident, and it will help ensure that you have a police report of the accident, which is even more important when dealing with your insurance and an uninsured driver.

#2 Get as Much Information as Possible

Second, you should still get as much information as possible from the other driver. Make sure that you get their license plate as well as the make and model of their car. If possible, try to get their VIN number as well. Take a picture of their license plate.

After that, get as much information as you can from the driver. Get their name, address, phone number, and driver's license number. See if you can take a photo of their driver's license. Your insurance company is going to want all of this information, so try to collect as much information as you can about this driver.

#3 Take Pictures of the Scene

As the other driver doesn't have insurance, it is going to be on you to share as much information as possible with your insurance company. Taking pictures of the scene of the accident will help establish what happened. Even with an uninsured driver, you want your insurance company to be able to establish that you are not at fault for the accident. This will matter when it comes to insurance rates late on for your premium.

Finally, make sure that you reach out to your insurance company. It is not your fault that the other driver doesn't have insurance. Share as much information as possible about the accident with your insurance company. If the other driver is at fault, or if you pay for uninsured driver's coverage, your insurance will cover you no matter what. 

For more information, contact your local vehicular accident attorney.