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Even though auto insurance is a legal requirement in most jurisdictions, studies have shown us that around 13 percent of all motorists are uninsured. Getting into an accident with an uninsured driver can result in a complex legal battle, and that is why you must understand all of your rights and responsibilities. Here are a few steps that you should take after being in an accident with a motorist who doesn’t have insurance.
Most minor accidents don’t need to be reported to a law enforcement agency, but you should immediately contact the police if the other driver is uninsured. You must also call the police if anyone is injured or multiple vehicles are involved. The police officer’s report could be vital to your case if the situation escalates into a trial. While the police officer is collecting information from the other driver, you should try to take a few pictures of the scene.
As long as the other driver didn’t flee, you should collect all of their contact information. When both parties are insured, the drivers usually only exchange their names and insurance policy numbers. If the other driver is uninsured, then you will need to ask for additional information such as their phone number, license plate number, and the make and model of their vehicle. While collecting their information, you must remain as calm as possible to avoid an altercation.
The most important step in this process is taking care of your physical and well-being. Ignoring aches and pains could result in major medical problems later on, and your insurance might not cover those injuries if you ignore them for a certain amount of time. Health issues such as back pain and migraines often won’t become apparent until months after your accident. During your medical checkup, you should ask the doctor for a copy of their notes.
In order to avoid unnecessary expenses in the future, you should contact a company that provides car insurance in New Jersey or wherever you may live and add uninsured/underinsured motorist coverage. That coverage will pay for some or all of your expenses if you are in an accident with a driver who doesn’t have insurance or only has a smaller policy. A provider such as Marine Agency can quickly add this type of coverage to an existing policy.
Car accidents are always going to be life-altering events, and dealing with an uninsured driver is only going to make this process more complicated. Following a collision, you must be absolutely sure that you legally protect yourself so that you don’t end up dealing with expensive medical bills and auto repairs.