What Happens If the Driver at Fault Has No Insurance?
So, what happens if you get in a car accident and the driver at fault has no insurance? This can be a very stressful and traumatic experience for all drivers involved, but if you take the right precautions, you can ensure a smooth process. Read below to find out more about the options available to you.
What Happens If the Driver at Fault Has No Insurance?
If the other driver in the accident doesn’t have insurance, there are certain steps you can take after the crash.
- Put safety first
The first step post-accident is to ensure that everybody involved is safe. Shift your vehicle to a safe location out of the way of other traffic. Examine yourself and any passengers for injuries; if there are any injuries, call 911 for emergency assistance. Even if you feel okay, make sure you get a doctor or healthcare provider to check you over, as some injuries don’t show up right away (for example, a concussion).
- Call the police
Call the police after the accident if there is an uninsured driver. The police will generate an official accident report detailing key information such as vehicle damage, fault, and the fact that the other driver lacked insurance. This police report is useful when filing a claim with your insurer. It can also be really helpful for taking legal action later on.
- Gather evidence
Gather as much evidence as you can, taking photographs of the vehicles involved, any injuries, license plates, road conditions, and traffic signs. Get contact information from witnesses and record what they saw.
- Inform your insurance company
Report the accident to your insurance company. Inform that the other driver did not have insurance. If you have uninsured motorist coverage, your insurance company will help you navigate the process of making a claim. Remember not to accept a settlement offer until you’ve evaluated the crash’s entire impact.
- Contact an attorney
If you are handling a crash involving an uninsured driver, you may want to contact a car accident attorney. An experienced attorney can help investigate the situation, negotiate with insurers, and ensure your rights are protected every step of the way.
Need Advice?
If you’ve been involved in a crash with an uninsured driver, get in touch with The CP Law Group to explore your options. Our friendly and professional team helps clients handle complex car accident cases in Atlanta and Chicago. We always keep track of legal updates to ensure that clients’ best interests are protected.
For a free, no-obligation consultation, call us at 844-546-4878 or connect with us on social media @TheCPLawGroup. Explore more of what we do at thecplawgroup.com.