Did you know that about 14% of motorists are driving around without insurance? In most states, this behavior is illegal and comes with consequences.
But, what happens if you get into an accident with an uninsured driver? Will you still be able to seek out compensation for your injuries and damages? What steps should you take after a crash to ensure your rights get protected?
Don’t panic! Read on to get informed and learn how to deal with getting in an accident with an uninsured motorist.
What to Do After a Car Accident
So, you were in an accident and don’t know what to do. First, take a deep breath. Check yourself (and any passengers) for injuries. Then, verify that your vehicle is safe where it is. If not, then move to the side of the road.
Now, you need to check on the other driver to see if they’re okay. If you see signs of any significant injuries, then you need to call 911. Otherwise, take the following steps:
- Call the authorities
- Give the other driver your insurance information
- Get the contact details of the other driver
- Take photographs (or video) of the accident scene
- Ask any witnesses to provide a statement to the police
- Seek out medical care as soon as possible
You can find more guidance on this page if you need further clarification on what to do.
Dealing With an Uninsured Driver
While you were following the above steps, did the other driver say they’re uninsured? If so, they may have asked you not to call the police. They may have offered to pay you for the damages on the spot.
It’s tempting to take a cash offer and let a minor situation go, but it’s advised that you don’t. You likely don’t know the extent of your injuries or damages yet. On top of that, you can’t prove an accident even happened if you don’t call the police.
Make sure to take the above steps regardless of the other driver. When you do, you’re protecting your own rights.
Seeking Out Compensation After a Crash
So, how can you get compensation if the other driver doesn’t have insurance? While the process is a bit more complicated, you can still seek out compensation.
First, you need to determine if you live in a fault or no-fault state. If you live in a no-fault state, then you need to file a claim with your own insurance. You might also do the same if you have uninsured motorist coverage.
If you live in a fault state, then it might be wise to pursue a claim against the other driver.
Moving Forward in 2021
Accidents happen, but the majority of them are a result of human error. When an uninsured driver is at fault for your crash, the situation can be complex. Make sure you take the steps above to protect your rights to compensation.
If we learned anything from 2020, it’s how important our health is. Remember to focus on your physical recovery as you deal with compensation.
Are you looking for more awesome tips to help you thrive in 2021? If so, then you’re in the right place. Keep browsing through our blog to see more of our trending content.