What to do After a Car Accident with an Uninsured Driver

Unfortunately, many people drive without car insurance. If you get into an accident with an uninsured driver, it’s important to know how to handle the situation, especially if you have suffered an injury or damage to your vehicle. Make sure to follow these five steps after an accident with an uninsured driver.

Call Police to the Scene

It’s always important to immediately call the police to the scene of the accident, but this is even more urgent when your accident involves an uninsured driver. Filing a police accident report will greatly help you when you want to claim damages. Be sure to also take photos of the scene if you are physically able, including the location of the accident, skid marks on the road, and any other pertinent details.

Exchange Information with the Other Driver

Although the police will get the other driver’s information, we suggest you record it as well for your personal account. It’s important to have that information as it may be the instance you discover that the other person is uninsured. Get all the information you can about the other driver, their vehicle, as well as the names and contact information of any possible witnesses.

Contact Your Insurance Company

Contact your insurance company immediately to report the accident. The sooner you do this, the better. Plus, if you have uninsured motorist coverage that includes both property damage and bodily injury, your insurance company should be able to do plenty when you file a claim. If you don’t already have such coverage, an insurance agent can help guide your steps to help rectify that.

Seek Medical Attention

It’s wise to seek medical attention as soon as possible after a car accident as well, even if you don’t believe you suffered an injury. Sometimes, an injury may not manifest until later on, so it’s better to be safe than sorry. If your accident is with an uninsured driver, you can’t rely on that person’s insurance to cover your medical expenses. As a result, your health insurance can cover them, but you may also have an out-of-pocket deductible to deal with as well.

Get Repairs on Your Car

Discuss your options for having any necessary repairs done on your car with your insurance company. They will most likely recover your repairs if your plan includes uninsured motorist property damage. Otherwise, you will have to pay out of pocket for repairs and then seek compensation through the court.

You may have many questions following an accident with an insured driver. Pennsylvania Car Accident Lawyers has the resources to get you in touch with an experienced car accident attorney in your area who can answer them. They can analyze the details of your case and suggest the most appropriate legal action. Contact us today for a free case evaluation.