What Should I do if I’m in an Accident with an Uninsured Driver?

On Behalf of | Sep 26, 2013 | Car Wrecks

Car accidents are scary and stressful situations, which can be made even more complicated when you are involved in an accident with an uninsured driver. One in seven drivers on the road is uninsured, which means that it’s not impossible for you to hit or be hit by one. The best way to ensure that you do not have to face thousands of dollars in damages after an accident is to review the guidelines for being hit by an uninsured driver, as suggested by Esurance.

As you would after any auto accident, immediately call 911. Calling the police is even an even more urgent matter when being involved in an accident with an uninsured driver because the police record and accident report will be vital when you are trying to getting your expenses covered. When waiting for the authorities to arrive, it wouldn’t hurt for you to take out your cell phone and take pictures of the entire scene of the accident as well as any damage to each vehicle.

While you’re waiting for police to arrive at the scene, it is also a good idea to exchange information with the other driver. It’s at this time when you will probably find out he or she is uninsured. Don’t forget to take the names and phone numbers of any witnesses who may still be around, too.

Once police records are made and accident reports recorded it’s time for you to contact your insurer. Whether or not you have uninsured motorist protection will determine a lot of what your insurer can do for you. If you do have it, your insurance will cover a lot for you when you go to report your claim. If, on the other hand, you do not have it, your insurance agent can help you figure out what to do next.

Car accidents are scary enough without throwing in an uninsured driver. However, if you do have the misfortune of getting in an accident with somebody who does not have auto insurance, do not hesitate to contact a Texas personal injury attorney to help make the best of the situation.