According to a CNN Money Report, a large percentage of motorists are uninsured.
Our Spartanburg car accident attorneys know, when motorists are involved in collisions with uninsured drivers, the situation only becomes more complicated.
According to research, one in seven drivers is uninsured. In addition, one in five motorists are only covered by the minimum liability required.
Due to the relatively high percentage of uninsured and under insured motorists on the road, it is important to know what steps to take when you are in an accident and the motorists is uninsured.
According to information available on esurance.com there are some basic steps you should follow after being in an accident with a motorists who is not insured.
Step 1: Notify the police while at the scene – When you are involved in a car accident it is always important to call the police while at the scene. However, when you are involved in a car accident with an uninsured motorist this is even more important. Ensuring that there is an impartial police record will make a significant difference when you attempt to get your expenses paid. This will make the process of filing a claim more seamless. In addition to calling the police you should take photos of the damage to each vehicle at the location of the accident. You should also take photographs of other details at the scene such as skid marks, signs and traffic signals.
Step 2: Exchange information with the other drivers – The police at the scene will take down all the drivers information for their own report but you should do this as well. This is the point in time where you may find out that a driver does not have insurance coverage. You should get as much information pertaining the other driver, their car, and any witnesses.
Step 3: Contact your insurance provider – It will depend on your police and your insurance company as to whether you have uninsured motorists coverage. If you do not have uninsured motorist coverage the agent will be able to help you plan the next steps.
Step 4: Take care of your medical expenses – In most situations another driver’s injury liability coverage may pay for medical expenses but if you are in an accident with an uninsured motorists you could end up paying for medical expenses out of our own pocket.
Step 5: Take care of your vehicle – As you should with any accident, speak with your insurance company and see what options you have for repairing your vehicle. If you are covered for uninsured motorist damage protection then any damage to your car will likely be handled as if the other driver’s insurance is paying for it.
If you or someone you love has been injured in an accident, contact the Carolina injury lawyers at the Lee Law Offices today by calling 800-887-1965.
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