Car accidents happen. They’re an inconvenient, yet inevitable part of life. For this reason, almost every state requires drivers to have car insurance. However, with so many drivers on the roads, you will probably come across someone who doesn’t follow these laws. In fact, in the United States, 12 percent of drivers are uninsured.
When you’re involved in an accident, car insurance does offer some peace of mind. You know that either your policy or the other driver’s policy will cover some of your medical and/or damage expenses. The question is, what do you do when the other driver doesn’t have car insurance?
Here are four simple steps to make sure you’re protected:
If you are in an accident, you should call the police. This step is even more important when an uninsured driver is involved. Not only will police ensure necessary parties receive medical attention, they will also begin the documentation process. Having a police report will legitimize your claims.
Make sure you get the other driver’s name, address and phone number. Ask to copy the information from his or her driver’s license so you know everything is accurate. Also, remember to take photos of the accident before you leave the scene. Pictures of skid marks, the location of the accident and damage to your vehicle can be extremely helpful.
Once you have a police report and the other driver’s contact information, it’s important to call your insurance company. If the uninsured driver is at fault, then contacting your insurance company won’t raise your rates. Your agent will be able to guide you through the process and see if your policy covers uninsured drivers.
If you are injured, your insurance may help with some of the costs or you could be responsible for paying the bills yourself. In this situation, it’s always in your best interest to contact a lawyer. Claims involving uninsured drivers can be difficult, but an experienced auto accident lawyer at The Cochran Firm will help you get the justice you deserve. With law offices all over the country, we should have an office near you. Find yours today.