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What to do if You're Hit by an Uninsured Motorist

Updated: Sep 1, 2023

Being involved in a car accident is already a stressful situation, but it can become even more complicated if the other driver is uninsured. After being involved in an accident with an uninsured driver, it is important to take certain steps to protect yourself and ensure that you receive the necessary compensation for any damages or injuries.

Your personal auto insurance policy's uninsured motorist protection may be able to help pay for your medical expenses, missed wages, and property damage. If someone who is underinsured or uninsured hits you, this policy will shield you from liability.

In order to recover damages, you could also be able to sue the uninsured driver. Even if you prevail in your lawsuit, it may be difficult to obtain damages if the motorist is uninsured because there may not be any assets on which to collect.

A fund may have been established in some states to compensate victims of uninsured or underinsured drivers. This fund, which can be used to compensate for medical expenses, lost earnings, and other losses resulting from a car accident, is normally funded by a fee that uninsured drivers are compelled to pay.
Contact the Police
  • Call the police immediately after the accident, regardless of whether the other driver is insured or not.

  • Provide the police with all the necessary information about the accident, including the other driver's details and any witnesses.

Gather Evidence
  • Take photos of the accident scene, including the damage to both vehicles.

  • Collect the contact information of any witnesses who saw the accident.

  • Write down any relevant details about the accident, such as the time, date, and location.

Exchange Information
  • Even if the other driver is uninsured, it is still important to exchange information.

  • Obtain their name, contact information, and license plate number.

  • If possible, ask for their insurance information as well.

Notify Your Insurance Company
  • Contact your insurance company as soon as possible to report the accident.

  • Provide them with all the details of the accident, including the fact that the other driver is uninsured.

  • Follow any instructions given by your insurance company regarding the claims process.

Seek Medical Attention
  • If you or anyone else involved in the accident is injured, seek medical attention immediately.

  • Keep records of all medical treatments, including doctor's visits, prescriptions, and any other related expenses.

Consult an Attorney
  • Consider consulting with a personal injury attorney who specializes in uninsured motorist cases.

  • They can provide guidance on your legal rights and help you navigate the claims process.

  • An attorney can also assist in negotiating with your insurance company or filing a lawsuit if necessary.



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