Accidents can happen when you least expect them and dealing with the aftermath can be stressful. When you have a collision with an uninsured driver, it adds an extra layer of complexity to an already challenging situation.
Fortunately, there are several steps you can take to navigate this scenario effectively.
Contact law enforcement
The first thing you should do after an accident of any kind is to contact law enforcement. They will assess the situation, gather evidence and create an official accident report. This report can be invaluable when you are dealing with insurance companies or pursuing any legal action down the road.
Even if the other driver does not have insurance, you should exchange information with them. Obtain their name, contact details and vehicle information. This information will be useful in case you need to take legal action or file a claim with your insurance.
Turn to uninsured motorist coverage
If you have uninsured motorist coverage as part of your insurance policy, it can make all the difference in this situation. This coverage protects you when you have an accident with an uninsured or underinsured driver. It typically covers medical expenses and property damage.
Mediation is an alternative to a lawsuit and can help you and the uninsured driver come to an agreement without going to court. It involves a neutral third party who facilitates communication and helps both parties reach a settlement.
The Insurance Information Institute reports that as many as one in eight drivers lack sufficient auto insurance. If you experience a motor vehicle accident with another driver, there is a notable possibility that they might not have insurance to cover the damages.