Are you worried you might get hit by an uninsured car driver?
Driving at night is more dangerous than during the day. It’s common knowledge that the rate of accident deaths is twice as high at night than during the day.
Whenever a vehicle accident happens, however, the worst thing—aside from the resulting injuries—is getting hit by an uninsured driver.
Such an incident can cause a lot of mental stress and financial damage, so you must know your rights even before that happens.
Read on and find the answers to your questions regarding what to do when you get hit by an uninsured driver.
Call the Police
Uninsured drivers are a huge problem on the roads, and they are often uncooperative and may even abandon the scene, especially if they are to blame for the accident.
By calling the police, you can get a report filed about the incident, which will help you immensely if you need to file a claim with your own insurance company.
Get the Other Driver’s Information
You should make an effort to get the other driver’s information, including their insurance details, if any. You don’t even have to wait for the police to arrive.
You need their information because you will be using it to file a claim with your insurance company. If you don’t have it, any efforts to be compensated by your insurer will be futile.
Take Pictures of the Damage
If you are hit by an uninsured driver, you should take pictures of the damage. This will help you to prove the extent of the damage to your insurance company.
If you don’t take pictures, your word will be as good as the other driver’s, and it will be harder to establish accountability.
File a Claim With Your Insurer
You should also file a claim with your insurance company if you’re hit by an uninsured driver. They will pay for your damages up to your policy limit. If your damages are greater than your policy limit, you’ll have to pay for the difference yourself.
Pursue the Other Driver Legally
If the uninsured driver is unwilling to take responsibility for the accident, the best thing to do is to pursue legal action against the driver. We have enough car accident laws and auto accident lawyers to safeguard your rights.
This will ensure that you are compensated for any damages that you have incurred, and it will also send a message to other drivers that they need to be insured.
Use the Law Against an Uninsured Driver
You may not be able to avoid getting hit by an uninsured driver, but you can protect yourself against being his further victim. You won’t believe how some people can have zero concepts of accountability.
Unless the driver shows that he is willing to own up to his fault, don’t think twice about hiring a lawyer.
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