Though car insurance is a legal requirement, there are still many people who drive without insurance. Unfortunately, if they don’t have insurance, they probably don’t have much in the way of assets either. So what do you do if you are hit by an uninsured driver?
Insurance Claim
In most cases, you will process the insurance claim in the same manner as you would for another car accident. This means that you will need to take a few necessary steps to simplify your process. You must gather all the contact information for the other driver. You will need their name, address, and drivers license number. You should record license plate numbers and document all the damage incurred.
Taking photos and gathering proof can be vital throughout the insurance claim process. It is also important to obtain a copy of the police report. You should notify your insurance company as soon as possible to start the claim process.
State Laws
The insurance laws vary from state to state. In no-fault states, each driver pays for the damage, regardless of who was at fault. In tort law states, an uninsured driver may be disastrous. Collision insurance may cover the damage to your vehicle, but uninsured or underinsured driver coverage may be necessary to pay for any potential medical bills. In most states, it is illegal to increase an individual’s monthly premiums because of an accident that is not their fault.
You should always call the police after an accident, whether you are at fault or not. This is especially necessary when the other driver is uninsured. A police report will help prove the facts surrounding the accident, which will go a long way toward aiding the insurance process.
Car accidents are never fun. If the other driver is uninsured, it can be downright disastrous. If you have been affected by an accident caused by an uninsured driver, you may need to seek legal guidance. To obtain superior legal representation, contact us at LeBaron & Jensen today.
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