Motorists who choose to drive without the requisite insurance play fast and loose with the rules, and this is often reflected in their driving. In other words, if a driver is willing to drive without insurance coverage, he or she may also be more willing to ignore the rules of the road. If an uninsured driver leaves you injured in an accident, there are certain steps you should take to help ensure that you obtain the compensation to which you are entitled.
Uninsured Driver
If another motorist’s negligence leaves you injured in an accident, it is a big deal. If that negligent driver does not have insurance, it is an even bigger deal. There is no reason to despair, however, as there is a step-by-step process that you should follow:
- Call the Authorities – Regardless of whether the other driver is insured or not, calling the police should always be your first step when it comes to a car accident.
- Seek Medical Attention – If you or anyone else needs immediate medical attention, make that your top priority and call 911 (the 911 operator will alert the appropriate authorities). If you do not require emergency medical services, seek appropriate medical attention as soon after the accident as possible.
- Gather Information – Even if the negligent driver is not insured, it is important to gather his or her contact information – including phone number, address, and license plate number – and contact information (and testimonies) from any eyewitnesses. Use your phone to take pictures at the scene that document the damage to both vehicles, that illustrate how the accident happened and where it happened, and that capture any other pertinent information.
- Do Not Accept an Offer of Cash – If the negligent driver offers you cash to make the issue go away or offers to pay for your damages, do not accept the offer. Immediately after an accident is a terrible time to attempt to assess the damages you have incurred – both physical and financial. It is always in your best interest to go through the appropriate channels after a car accident.
- Jot Down the Details – As soon after the accident as you possibly can, jot down all of the details that you can remember. These should include details related to how the accident happened, to where it happened, and to extenuating circumstances such as inclement weather or a poorly maintained roadway. This document will help keep your memories fresh and accurate.
Uninsured Motorist Insurance
Uninsured motorists are out there; they cause accidents, and this is precisely why you carry uninsured motorist insurance. If the at-fault driver is not insured, your own insurance policy will be called upon to cover your damages.