What to Do If You Get Hit by an Uninsured Driver

Getting into a car accident is a stressful and often overwhelming experience. But what happens when you find out the other driver involved doesn’t have insurance? Dealing with an uninsured driver can be even more challenging, but here are some steps to follow if you find yourself in this unfortunate situation.

1. Stay Calm and Safe: First and foremost, ensure that you and everyone else involved in the accident are safe. If possible, move your vehicles to a safe location, away from traffic, to avoid further accidents or damage.
2. Gather Information: Regardless of whether the other driver has insurance, collect as much information as possible. Get their name, contact information, and license plate number. Also, try to obtain details about their vehicle, such as make, model, and registration information.
3. Contact the Police: Call the police and report the accident. Having an official accident report can be crucial when dealing with an uninsured driver. The report will provide an objective account of the incident.
4. Document the Scene: Take photos of the accident scene, including vehicle damage and any visible injuries. This documentation can serve as valuable evidence when dealing with insurance companies or pursuing legal action.
5. Contact Your Insurance Company: Notify your insurance company about the accident as soon as possible. Even though the other driver is uninsured, your insurance may cover some or all of your damages through uninsured motorist coverage, depending on your policy.
6. Seek Medical Attention: If you or anyone else is injured, seek medical attention immediately. Your health should be a top priority, and documenting injuries is essential for any potential legal or insurance claims.
7. Consider Legal Action: If the uninsured driver is at fault and you’re facing significant costs for repairs or medical bills, you may want to consult with an attorney to explore the possibility of a civil lawsuit.
8. File a Claim with Your State’s Uninsured Motorist Fund: Some states have uninsured motorist funds that can provide compensation to victims of uninsured drivers. Check with your state’s Department of Motor Vehicles or an attorney to see if this is an option for you.
9. Be Cautious of Settlement Offers: If the uninsured driver offers to pay for damages out of pocket, be cautious. It’s best to consult with your attorney or insurance company before accepting any offers to ensure that your rights and interests are protected.

Dealing with an uninsured driver can be complicated, but following these steps will help you navigate the situation more effectively. Remember to stay calm, prioritize safety, and seek assistance from law enforcement, your insurance company, and possibly legal counsel. In the end, it’s essential to protect your rights and ensure that you receive the compensation you deserve.

For more info, check out this link from the Kansas State Legislature

OR contact Platinum for questions or concerns.