What should I do if I’m hit by an uninsured driver?
Even though all 50 states have laws requiring drivers to have at least some sort of auto insurance, not all drivers follow this rule. In many cases, it is because (they claim) they cannot afford it. Problems arise when you are struck by an uninsured driver, financial ones in particular. But there are a few simple steps you can follow to lessen the blow.
- First things first, call the police. Odds are the person who hit you will try to influence you not to, whether it is by begging or offering you cash. You want to call the police so that if you end up going to court, you will have an official police report on your side. If it is not necessary for the police to be present, they will let you know.
- You must collect as much information as you can about the driver that hit you. You are legally required to exchange your driver’s license information and registration information. Just in case, try to take note of the car’s license plate number, make, model, and VIN number.
- If any witnesses are around, ask them for their contact information.
- You will probably have some spare time while waiting for the police to arrive, so when this happens you can use your phone or digital camera to take photos of the accident scene. Take close-up photos of both vehicles and some of the entire scene.
- If you have additional time while you’re waiting, take notes about the weather conditions and any other details of the accident while you still remember.