In the US, 6 million car accidents happen every year. And 3 million people are injured in these accidents.
They always tell you that when you get into car crash that you should contact the insurance companies to get things sorted out. But what happens if the other driver is uninsured? What do you do then?
Read on to find out who holds uninsured drivers responsible and what to do if you’re involved in a crash with one.
Take the Same Basic Actions
Regardless of whether or not a driver has insurance, there are some basic actions you need to perform if you get in an accident.
First, move the car somewhere safe if you’re able to, and put your hazards on. Then, check that everyone’s ok and provide first aid if needed. Reverse the order of these actions if there are serious life-threatening injuries.
Next, you should take down each other’s information, such as full name, phone number, driver’s license, car model, make, etc., and the license plate number. You should also exchange information with witnesses if there are any. Take pictures and videos of the vehicles and the surroundings.
Don’t Take Cash
It’s very common for uninsured drivers to offer cash as compensation since they’re afraid of getting in trouble with the law. But don’t take this money, no matter how handsome the amount might look. It might turn out that you’re owed much more for damages!
No-Fault vs At-Fault States
What you do next will depend on whether you’re in a no-fault or at-fault state. We’ll look at each in detail below.
There are 11 states (plus Puerto Rico) that are no-fault states. They include Hawaii, Utah, Minnesota, Kentucky, North Dakota, Michigan, Pennsylvania, Massachusetts, New York, New Jersey, and Florida.
Basically, you can’t sue in these states, not unless there are significant damages and/or medical bills. However, the good news is, your own insurance company should be able to cover some of your costs.
In at-fault states, they follow tort law. This means whoever caused the accident will pay for damages and medical bills. This is true regardless of whether or not they have auto insurance.
So if an uninsured driver is found to be at fault, you can sue them to get compensation. In this case, you should work with accident attorneys like Sweet Lawyers since they can help you file a claim and ensure you get fair compensation.
Do note that if you have under-insured or uninsured motorist coverage, then your insurance company can pay for damages here.
Hold Uninsured Drivers Accountable
Having a car crash can already be stressful enough. Finding out uninsured drivers are involved can be even more of a headache.
But we hope this article’s been a help to you. The next time you find yourself in an accident with an uninsured driver, you’ll know the steps to take so you get the compensation you deserve.
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