What to do when you get in an accident with an uninsured or under-insured driver

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What to do when you get in an accident with an uninsured or under-insured driver

Getting into a car accident is always a stressful and overwhelming experience. But what happens when the other driver involved in the accident is uninsured or under-insured? Dealing with this situation can be even more complicated and confusing. In this blog post, we will discuss what steps you should take if you find yourself in an accident with an uninsured or under-insured driver.

The first thing you should do after getting into an accident with an uninsured or under-insured driver is to stay calm and check for any injuries. If anyone is injured, call 911 immediately and seek medical attention.

After ensuring everyone’s safety and before engaging in dialogue with the other driver, it is prudent to discreetly take a photograph of the other vehicle’s license plate. This step is critical in the event that the driver decides to flee the scene. Having a picture of their license plate can be invaluable in tracking them down later. Please remember to carry out this action respectfully and without causing further confrontation, as your safety and wellbeing remain the utmost priority. Then, do your best to stay calm and exchange information with the other driver, including their name, contact information, and vehicle details. It’s essential to gather as much information as possible, even if the other driver doesn’t have insurance.

The next essential step is to call the police to the scene of the accident. This is a critical measure, even if the accident might seem minor. A police report serves as an official record of the incident, providing an unbiased account of what happened. This documentation is invaluable, especially when dealing with uninsured or under-insured drivers, as it solidifies the details of the event. While waiting for law enforcement to arrive, try to remain composed and cooperative, sharing your account of the accident truthfully and succinctly. Remember, the report generated by the police will be a crucial piece of evidence in supporting your claim and safeguarding your interests.

It’s crucial to notify your insurance company about the accident as soon as possible. Your insurance policy may have coverage for accidents involving uninsured or under-insured drivers, so it’s essential to review your policy carefully. Your insurance company will guide you through the claims process and help you understand your options for recovering damages from the at-fault driver.

In some cases, your own insurance policy may include coverage for accidents involving uninsured or under-insured drivers. This coverage can help cover your medical expenses, lost wages, and other damages resulting from the accident. It’s important to review your policy carefully and understand the limits of your coverage to ensure that you receive fair compensation for your losses.

Getting into an accident with an uninsured or under-insured driver can be a challenging situation to navigate. However, by staying calm, gathering information, notifying your insurance company promptly, and seeking legal advice if needed, you can protect yourself and recover damages from the at-fault driver. Remember that having comprehensive auto insurance coverage can provide additional protection in case of accidents involving uninsured motorists. Stay informed about your rights and options so that you can handle these situations effectively and minimize stress during such difficult times. Reach out to a BWO rep to review your existing policy or update to make sure you have the best coverage for your scenario.

 

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