A few days ago, your friend was in a car accident with an uninsured driver. You do not want to go through the same headache trying to handle car repairs and medical bills, so you want to prepare yourself in case the same thing happens to you.
American Family Insurance offers tips for dealing with drivers who do not have auto insurance. Prepare for a potential disaster well before it happens.
Call law enforcement
No matter whether the other driver carries insurance, summon the police to the scene of the accident. Police reports often prove vital in motor vehicle collisions, as they help establish fault. Keep the report handy for your insurance claim.
Do not accept bribes
Some uninsured motorists know the repercussions of not having coverage. To that end, they may offer you money to keep the collision hush-hush. Even if the person offers you a substantial amount of money, do not accept it. You do not know the extent of damage your car sustained, and you may have delayed injuries to treat.
Trade contact information
Trade names, phone numbers and email addresses with the other driver. You should also note the other car’s license plate number. If any witnesses saw what transpired, get their statement and contact information, too.
Collect evidence
With any auto incident, gather as many details as possible at the scene. Take pictures of the weather, nearby traffic signs, skid marks, damage to the cars involved and injuries you or the other person sustained. Such evidence helps establish fault, and you may need it for your insurance claim.
Hopefully, you never get into an accident with a driver who does not have coverage. Use these insights to protect yourself and your right to compensation.
