What do you do if you get into an accident with an uninsured motorist?
Posted by: Insurance Place by: June 17, 2014
Accidents happen. In the United States alone, approximately 15,000 car accidents happen nationwide every day. Now, with about 1 in every 7 motorists driving without an auto insurance policy, you could find yourself in the unfortunate situation of becoming involved in a car accident with an uninsured motorist. You have their license plate, you’ve taken pictures of the damages, but they don’t have car insurance. What should you do?
The fault is very important to determine, as the at-fault party’s insurance is responsible for paying the damages for both parties (unless you live in a no-fault state). If the other person is at-fault and doesn’t have auto insurance, then you have a problem.
That person may offer to pay for your damages out of pocket, but there is a good possibility that if they already do not have car insurance, they will likely not have the funds to pay you. You can call the police, and they will probably give the other driver a ticket for driving without insurance, but that still doesn’t guarantee you get reimbursed.
You can get a lawyer and sue for damages, but you will likely rack up some hefty legal bills, and still may not end up with the funds to fix your car or pay your medical expenses. If the car accident is on a smaller scale, it may be best just to pay your own expenses out of pocket. You should still file a claim with your insurance company, but there are proactive measures you can take to avoid this situation entirely.
The best way to protect yourself from this situation is to purchase an uninsured motorist policy that will protect you both as a driver and as a pedestrian in the event you are involved in an accident with an uninsured motorist. These types of policies will cover your medical expenses, your car damages, your rental car period and even possibly your wages lost during your time of recovery.
By purchasing this type of policy you will not have to worry about insurance in an already stressful situation, especially if you or your loved ones are seriously injured. You should really be asking yourself, “What have I already done to protect myself?” You can start today by contacting The Insurance Place for a free quote.