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Being hit by an uninsured driver can be a nightmare if you are not covered yourself. There are basic steps to follow in any type of accident in which you are involved. If the person who hit you has no insurance at the time of the accident, then you may have to take additional measures to try to receive compensation.
Call for emergency help immediately after the accident. Stay at the scene of the accident and wait for help to arrive.
Write down the license number and a description of the vehicle that hit you, as well as a description of the driver. Obtain the names, addresses and telephone numbers of any witness. Take pictures if possible. Why? It is common for drivers who do not have auto insurance to leave the scene of an accident. This way, you will have the information that can help identify you if they run away.
Make sure you get the name, address and telephone number of the uninsured driver after talking to the police and the officer has made the accident report.
Call your insurance company to report the accident and file a claim. If you carry uninsured motorist insurance, most, if not all, of your losses and expenses must be covered.
Hire a lawyer if you are not satisfied with the way your insurance company handled your request (that is, you think you are entitled to more money). The lawyer can file a lawsuit against the driver without insurance on your behalf. However, keep in mind that lack of money is the most common reason why some drivers have no insurance. So, unless they have assets, you may not be able to collect your claim by filing the lawsuit.
According to the Insurance Investigation Council, there is a 1 to 7 probability that the guilty driver will not have insurance. That’s why having biker insurance without insurance for yourself is a good idea. State laws regarding car insurance without insurance vary. Not all states require this coverage.
Never talk to the other driver about who was at fault. Do not give details about your insurance coverage or reach a monetary agreement. Your insurance company or lawyer will handle this.