Automotive Digital Marketing

Professional Community for Automotive Marketers, Car Dealers, OEM and Suppliers

Loading... Be Patient!

What to Do If You’re in a Car Accident with an Uninsured Person

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.

Call the Police Immediately

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.

Exchange Information

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.

Take Care of Yourself and Your Passengers

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.

Add Uninsured Motorist Coverage to Your Policy

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.

Views: 10

Tags: accident, car

Comment

Oops... You need to stop "Lurking" on ADM and become a more genuine Automotive Professional by completing your membership registration. As a registered ADM Member, you can post comments, publish your own articles (be a star!) and start Forum discussions. Stop being an online "Peeping Tom" and JOIN ADM RIGHT NOW!

Join Automotive Digital Marketing

Automotive Marketing Network and Exchange for Car Dealers, OEM Managers, Advertising and Marketing Practitioners seeking improved results.

Please Consider Automotive Marketing Professional Community Sponsors

ADM Badge

Loading…

Based On Your Interests...

ADM Consulting, LLC

Onsite/Offsite Combination ADM Consulting & Coaching
Select the maximum amount you want to pay each month
$USD
Sign up for

Automotive Marketing Tools

Get ADM Toolbar

Click here to take the ADM Member Survey

Getting too many emails from ADM? Click mailbox below to control which types of alerts and updates you are sent......


Instagram

Share the Best Content w/AutoMarketing Community

© 2018   Created by Ralph Paglia.   Powered by

ADM Badges  |  Report an Issue  |  Terms of Service