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Home Lifestyle

What to Do After an Accident with an Uninsured Driver

Editor by Editor
March 13, 2023
in Lifestyle
0
Uninsured Driver

Being involved in an accident with an uninsured driver can be a frustrating experience. It can leave you feeling helpless and unsure of what to do next.

Unfortunately, this situation is all too common, as many drivers on the road do not carry the required insurance coverage. However, there are steps you can take to protect yourself and your finances after an accident with an uninsured driver.

This article will discuss what you should do if you find yourself in an Accident and you are an Uninsured Driver.

Table of Contents

  • Contact the Police
  • Gather Information
  • Inform Your Insurance Provider
  • Consider Legal Action
  • Protect Yourself in the Future
  • Can I bring a lawsuit against a motorist who is not insured?
  • Conclusion

Contact the Police

The first thing you should do after an accident with an uninsured driver is to contact the police. Even though the other driver is uninsured, it is still important to file a police report.

This report will document the details of the accident and can be used as evidence if you need to file an insurance claim or a lawsuit.

Gather Information

After you have contacted the police, you should exchange information such as name, address, phone number, and license plate number, take pictures of the damage to both vehicles, get the name and contact information of any witnesses, and exchange information with the other driver.

Inform Your Insurance Provider

Depending on your coverage, your insurance provider can cover some or all of the damages to your vehicle.

If you have uninsured motorist coverage, this will also help protect you financially in an accident with an uninsured driver. Uninsured motorist coverage can help cover medical bills, lost income, and other damages you may have suffered due to the accident.

Consider Legal Action

If the uninsured driver was at fault for the accident and you have suffered significant damages, consider taking legal action. This can include filing a lawsuit against the driver to recover damages.

However, it is vital to remember that if the driver is uninsured, they may not have the financial means to pay for these damages.

In some cases, you can recover damages from your own insurance company through a process called subrogation. This is when your insurance company pays for damages and then seeks reimbursement from the at-fault driver.

However, this process can be complex, and it is recommended that you speak with an attorney before pursuing this option. Visit this website to contact experienced attorneys who can help you with your case.

Protect Yourself in the Future

To protect yourself in the future, it is vital to make sure you have adequate insurance coverage. This includes uninsured motorist coverage, which can help cover expenses in an accident with an uninsured driver.

You may also want to consider adding underinsured motorist coverage, which can help cover damages if the other driver’s insurance is not enough to cover the total cost of the damages.

Can I bring a lawsuit against a motorist who is not insured?

Yes, you can sue an uninsured driver if they cause an accident resulting in damage or personal injury. Filing a lawsuit against an uninsured driver can be expensive. The victim needs to consider additional expenses, such as court fees, administrative costs, expert witness fees, and lawyer fees.

However, if the defendant can afford to pay, the victim may sue them to recover the damages. It is also important to note that if the defendant has no assets to pay for any claims, they might declare bankruptcy and be unable to pay the damages.

Suing an uninsured driver is usually not worth it because they often cannot afford to purchase insurance, and an alternative is to seek compensation through uninsured/underinsured motorist coverage.

Conclusion

Being involved in an accident with an uninsured driver can be a stressful experience. However, by taking the steps outlined in this article, you can protect yourself and your finances after an accident.

Contact the police, gather information, notify your insurance company, consider legal action if necessary, and save yourself with adequate insurance coverage.

Tags: AccidentCar InsuranceLawsuit
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