We all know accidents are bound to happen, but getting in an accident with an uninsured driver can quickly become a nightmare. Approximately 1 in 8 drivers in the United States don’t have auto insurance. The experts at Spector Injury & Accident Lawyers want to be sure that you are prepared for whatever may come your way in terms of an auto accident. We offer some tips to help you know exactly what to do if an uninsured driver hits you.
Call the police
No matter what the circumstances when you get into an accident, you should always call the police. If the driver is uninsured you’ll need a police report to support the claims you make with your own insurance company.
Make sure you take a few minutes to get the information of the driver who hit you and give them your information as well. Even if they do not have insurance, you’ll still want their contact information to help make the claims process go a little bit smoother.
Make sure to document any damage done to your car and their car as well. You should also take a picture of the street as a whole to capture exactly where the vehicles were in the street, any street signs, or road obstructions. You’ll want a picture of the other car’s license plate too.
Understand the Laws
Every state has its own insurance laws. 12 states throughout the United States have no-fault laws meaning no matter if the accident was your fault or not you are responsible for half of the damages. However, most states have tort laws, which means the driver at fault is responsible for paying for the damages caused by the accident. If the damage is severe and you live in a no-fault state, it is possible to follow up with a lawsuit but the process is more complex.
You gained insight on how to handle an auto accident, especially if an uninsured driver caused the accident. We hope. Understanding how to deal with this type of situation can help you save time and money in the long run. If you sustained an injury in any type of accident, whether the driver was uninsured or not, Spector Injury & Accident Lawyers are here to help. The effects of an auto accident can last a long time after your car is all fixed up. Contact us if you have been injured in an auto accident to receive the compensation you deserve!