It’s the worst nightmare of many people. You are driving along and obeying the rules of the road when someone runs through a stop sign or ignores a red light and crashes right into you. It’s a scary situation and at first, you don’t know what to do. Are you okay? Is the other driver okay? What happened?
While your car is a wreck, you take solace in the fact that you are still alive and, if nothing else, at least the accident wasn’t your fault, so the other party will be responsible for repairing your vehicle and covering any medical expenses that may come from the crash. Your feeling of relief only lasts until you find out you’re dealing with one of the uninsured motorists that are wreaking havoc on our roads.
So what do you do when your in an accident who is driving without carrying insurance?
Call The Police Immediately
Uninsured drivers know they’re going to be in trouble for driving without insurance. Because of this, they are constantly looking for a way out of the situation they suddenly find themselves in.
It’s important to call 911 immediately after an accident. Not only will this put the situation on official record, but it will also start the process of getting medical help on the scene in the event of injury.
Leave Everything Alone
Once the police have been called, don’t do anything else. Ensure that the cars are left exactly where they came to rest until law enforcement gives the okay to move them out of the way. This allows for the cause of the accident to be fully investigated without the scene being compromised.
Obtain A Written Copy Of The Police Report
Once the police have completed their investigation, it’s important for you to obtain a completed copy of the police report. The report will state which party was responsible for the accident, what the cause of the accident was, and the fact that the other party was driving without insurance.
Not only will this report show your insurance company that you were not at fault, it also allows them to begin evaluating the severity of the damages and applying a monetary compensation required for repairs or replacement.
Obtain Proof Of The Other Driver’s Identity
When you are exchanging information with the uninsured driver, don’t just take their word that they are who they are. Ask to see a copy of their driver’s license and write down all the information on it. It can come in handy later if they attempt to disappear or fail to cooperate with your insurance company or law enforcement.
Hire An Attorney
In many cases, hiring an attorney is one of the only ways you’re going to be able to hold the uninsured drivers responsible for their actions. If they weren’t carrying insurance, there is little chance that they’ll voluntarily pay to have your car repaired.
When you hire an attorney who specializes in defending drivers against uninsured drivers, they’ll take the responsible party to court to ensure you get what’s rightfully yours. This may include getting orders to garnish paychecks or bank accounts or placing liens on the uninsured personal property.