What to do if the Other Driver in an Accident is Uninsured

an uninsured driver, driving down the road.

an uninsured driver, driving down the road.

In the US, over 13% of all drivers are uninsured. You may have car insurance, but there’s a good chance when you’re involved in an accident, the other party doesn’t.

It’s already stressful enough having to deal with the car crash itself, but add an uninsured driver to the mix, and it can make your anxiety skyrocket. To help you prepare for such an event, here’s what to do if the other driver in an accident is uninsured.

Exchange Personal Information

You’ll want to get the other driver’s full name, contact information (such as their cell phone number), driver’s license number, their car’s make and model, and VIN number. Take as many pictures of you can of both vehicles.

You’ll also need to call the police so you can file a report. Get the contact information of any witnesses if possible.

If the other driver tries to offer you money as compensation, do not take it. It may seem tempting to take the large sum of cash in front of you, but this is just helping them get away with not having car insurance. Plus, you don’t know the extent of damage on both your car and your body yet, so it may end up being not enough to cover all your expenses.

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Check with Your Insurance

Since the other party doesn’t have car insurance, you’ll have to rely on your own insurance company to handle everything regarding the accident. Since Michigan is a no-fault car insurance state, you’d have to file a claim with your insurance company anyway if the other driver had insurance.

If you happen to have uninsured motorist coverage, it acts in place of the other driver’s liability insurance. That way, you’ll get compensation for medical bills for not only you, but also your passengers.

Speak to an Attorney

It may feel like a total headache to handle the legal issues surrounding your car accident, so a good idea is to speak to an attorney who works in this area of law. They can help you navigate a complex uninsured/underinsured motorist claim and make sure you know your rights and get fair compensation.

They can also help you determine if you need to file a lawsuit against the other driver. As a no-fault car insurance state, there are only a few rare cases where you can sue. If you’ve sustained serious injuries or have extensive medical bills, you might be able to sue.

Your attorney will be able to determine if you have a good case or not.

Handle an Accident with an Uninsured Driver the Right Way

Should you end up in an accident with an uninsured driver, now you know what to do to calmly handle it. By taking care of it correctly, not only can you ensure all damages are paid for, but that you’re also fairly compensated for any medical bills or time you’ve had to take off from work.

Get in touch with our law first today if you’ve been in an accident with an uninsured driver and need legal counsel.

Hakim, Toma & Yaldoo, P.C.

Attorneys and Counselors at law
8424 E. 12 Mile Road #200
Warren, MI 48093

Contact Us

 

Call:    (855) 558-8250
Fax:    (855) 558-8250
Email: [email protected]

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Hakim, Toma & Yaldoo, P.C.

 

Attorneys and Counselors at law
8424 E. 12 Mile Road #200
Warren, MI 48093

Contact Us

 

Call:    (855) 558-8250
Fax:    (855) 558-8250
Email: [email protected]

Newsletter Sign Up