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Uninsured or underinsured motorist coverage is an important type of insurance coverage that all drivers should purchase. The road is an uncertain place, and not all drivers on the road are insured. If you are involved in an accident with an uninsured or underinsured motorist, this type of coverage will kick in and pay your damages and expenses. If you do not have this coverage, your only remedy would be to seek a civil action against the other driver, which can be a hassle as it is a long process that takes a lot of time, money, and patience. Buying this uninsured driver coverage is a good first step to protecting yourself, but what should you do if you are actually involved in an accident with an uninsured driver? You should:
- Make sure everyone is okay. If there are visible injuries to anyone involved, dial 9-1-1 immediately.
- Clear the roadway. You want to be sure that no one else is injured as a result of your accident, so moving your car out of traffic as much as possible is important, provided that your state allows you to do so. (In some states, the law prevents moving a vehicle that is involved in the accident before the police arrive).
- Call the police. Be sure that you wait until the police arrive before leaving the scene. This is important since you will need a police report in order to file a claim with your insurance company. This also insures that the other driver is cited for having no insurance, which is important when filing a claim under your uninsured motorist policy.
- Exchange information with the other party. Get the other driver's name, address, telephone number, and the make, model, year, and color of the car that they are driving. You should also get their license plate number and if possible, VIN (vehicle identification number). Give the other driver your information, too.
- Don't admit fault. It is important that you avoid admitting that an accident is your fault, even if you think it is. That determination will be made by the investigating officer in most instances.
- Seek medical help for yourself and your passengers if needed. Many people don't realize that they are actually hurt until days after an accident. Documenting your injuries now can be important to any claim that might arise from the accident.
- Call your insurance company and file a claim. Reporting the accident as soon as possible following the accident is also a vital part of the claim process. Most insurance companies provide a 24/7 customer service number so that you can report your accident when it occurs.
Following these steps can make it a bit simpler to file a claim under an uninsured motorist policy.
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∙ 12y ago
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If an uninsured driver wrecks the car of an insured driver is the uninsured driver still responsible?
If the accident was caused by the uninsured driver than the uninsured driver is definitely still responsible.
Uninsured driver not at fault in accident in Texas?
bananners!
If an uninsured driver of an insured driver's car has an accident caused by another driver what will happen to the uninsured drivers license?
If the uninsured driver had the permission of the insured driver to operate the vehicle then NOTHING will happen to the uninsured driver. In fact, in this case he or she is not an uninsured driver at all. The insurance follows the vehicle first, the driver second.
What happens when one of the involved parties does not have auto insurance at time of the accident?
Assuming in this instance the uninsured driver is the one at fault, he or she is still liable for any property damage & personal injuries that may have resulted from the accident. The injured party will make a claim against his or her uninsured motorist policy. But that insurance company can, and often will, sue the uninsured driver.
What happens to the owner of a car that gets into an accident with someone else driving there uninsured car?
They will have to take the uninsured driver to court. Or if you have uninsured driver policy with your insurance, they will pay it.
What happens to an uninsured driver involved in an auto accident?
If a car is uninsured then you could get fined a big ticket and you could go to jail. It depends really on your background. your welcome macie smithers An uninsured driver will have there linsence revoked or suspened for three years depending on what state your in and what your past record is.
What will happen if you are a passenger in a car that has a severe accident and you are severly injured The car is uninsured and the driver who doesn't own the car is uninsured?
If there was another vehicle involved and the accident was that driver's fault you can file a claim through their insurance. Otherwise, the only other place to go is through your insurance. You can use your medical coverage (if you have it) and you should have "uninsured motorist bodily injury" coverage that you can use.
What can you do if you are involved in an accident was not your fault and the other driver has no insurance?
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage you can file a state report, and/or small claims action.....
If you are involved in an accident that is your own fault with an uninsured driver can the uninsured driver and its passengers claim on your insurance although clearly they have broken the law?
Yes they can. They can also sue you in a civil case. Remember, a major reason for having the insurance is to financially protect others from your wrong doing.
Will insurance cover your damages from an accident if an unlicensed uninsured driver was in an accident on private property?
It is highly unlikely.
Who covers damages if the vehicles is uninsurred but the driver has his own insurance?
When a car is uninsured and it involved in an accident, the owner of the car is responsible for its damages and that of the other involved cars. This rule applies even if the driver has his own insurance cover on a different car.
What happens if there is an autombile accident with a motorcycle and you have insurance but the other motorcyclist does not have a license or registration?
Same as if it where 2 cars. The uninsured driver will be sited and then your insurance will pay for the repairs and try and collect from the uninsured driver, if you have uninsured or underinsured coverage, if not you can take the uninsured driver to small claims court.
