Did you know that more than on the road are driving uninsured? Driving without insurance can lead to issues if you get into an accident or are pulled over by the cops.
If you have insurance and got hit by someone that isn’t insured, there are certain steps to take.
Continue reading to discover the best steps to take when you are hit by an uninsured driver!
- Remain Calm & Check For Injuries
The first thing to do when you are hit by an uninsured driver is to remain calm and check for injuries.
Accidents can be traumatic, no matter how small they are. Getting worked up and anxious after an accident can increase your risk of having post-traumatic stress disorder. The most important thing is to check for injuries, especially severe ones.
If you are hurting and cannot move, don’t try to make any sudden movements. Wait to get out of the vehicle until the police and ambulance arrive. If you are feeling well enough, check on the other driver to ensure that they are okay too.
- Write Down the Basic Details
After you and the other driver have checked on each other, you will want to write down their vehicle information.
Uninsured drivers are more likely to flee an accident scene because they know they will be in trouble with the cops. Not having insurance raises their costs and can put them in a bad financial situation.
Once you can, write down the make, model, and color of their vehicle. You will also want to remember their license plate number if possible. Getting this information will be helpful if they decide to leave before the police arrive.
- Swap Information With the Other Driver
At this point, you should already have the other driver’s vehicle information written down.
Beyond this information, you will also want to obtain their license to write down their name and address. This information will be important when dealing with your insurance company and knowing who is at fault. At this time you should also take note of any other persons in either vehicle and try to recall the details of the accident.
Don’t share too much information with the other driver without the police being there. Telling them your story of the accident could make them change theirs so that they don’t look like they are at fault.
- Call the Police
After any type of accident, you should call the police so that all of the legalities get covered.
The police will take statements from both drivers and people in the vehicles. They will write down this information and leave the insurance company to decide on whose fault the accident was. When the police arrive on the scene, they may also come with an ambulance and fire truck, depending on the severity of the accident.
If the other driver tries to talk you out of calling the police, be kind to them, but still call the cops. Neglecting to call the police could leave you with covering all of the expenses. The other person could easily drive away without any responsibility.
- Take Pictures
While you are waiting on the police to arrive, or after you have provided your statement, take pictures.
Take pictures of the scene that the accident occurred. Also, take them for your vehicle and the other driver’s vehicle can help when dealing with legalities. These pictures will display the damage done to your vehicle. Not only will it show what happened, but it can also help provide details about whose fault it was.
Photos that you take from the accident will need to go to your insurance company and get used in court. Do your best to get clear photos that accurately display the damage.
- Check For Witnesses
Depending on where your accident occurred, there are likely to be witnesses nearby.
If you notice that someone was nearby and saw what happened during the accident, encourage them to talk to the police. Having another set of eyes on the accident can clear up confusion and ensure that a fair story has been given.
Witnesses will give their statements to the police, along with their identification. There may be a chance that they get called into court to testify as well.
- Seek Medical Help
Now that the most important factors have been taken care of, it is time to seek medical help.
Many people don’t realize that they are injured until a couple of days after the accident. Whiplash and pain may increase after the accident. If this occurs, or you have a serious injury, go to the hospital.
If you are dealing with minor injuries, you should still get checked by your primary care providers. This will ensure that there is no internal bleeding, concussion, or anything else.
- Contact a Lawyer
A car accident attorney can help you get the money that you deserve and ensure that medical expenses are covered.
Many Car Accident Lawyers can assist with your case, whether the other driver wants to fight it or not. People recommend getting a lawyer if you are anticipating medical bills or if the driver fled the scene. High medical bills can be lowered with the help of a lawyer, especially if you have proof that you aren’t at fault.
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Were You Hit By an Uninsured Driver?
If you have been hit by an uninsured driver, there are a few steps that you should take.
Uninsured drivers may attempt to flee the scene before cops arrive, so make sure to write down the details. Being aware of your surroundings can improve your case and ensure that you aren’t left fixing the damage on your own.
After you leave the seen you will want to seek out medical help and get a lawyer.
Be sure to check out our blog for more articles about auto accidents and staying safe on the road!