What to Do After an Accident with an Uninsured Driver
Here’s how you should handle an auto accident with an uninsured motorist.
Getting into a car accident is stressful enough, finding out that the other driver is uninsured only makes things more complicated. If you find yourself in this situation, then there are certain things that you need to take care of. Here are some of the things you should do after an accident with an uninsured motorist.
Contact the Police
While you should call the police anytime you get into an auto accident, it is especially important to do so after a collision with an uninsured motorist. Not only will having an official police report help you with any insurance claims you might want to file but having the police at the scene will also add an additional layer of protection for you. With the authorities present, the uninsured driver is less likely to flee the scene or act aggressively towards you.
Assess the Damage
Before you contact your insurer, you need to assess any injuries you might have sustained and document any damage your car might have sustained during the accident. If you are injured, then make sure you contact medical emergency services. Even if you feel like you are okay, get checked out just to be sure. Additionally, make sure you take pictures of your car and the scene of the accident. Both of these precautions will assist you when filing your insurance claim.
Speak to Your Insurer
Finally, you should contact your auto insurer as soon as possible to report the accident. Unfortunately, depending on the type of coverage you have, your agent might have good or bad news for you. If you already have underinsured/uninsured coverage, then your medical fees and repair costs should be covered. However, if you do not have this type of insurance, then you might be left to cover your expenses on your own.
These are some of the steps that you should take after getting into an accident with an uninsured motorist. Remember, the best way to protect yourself from the losses stemming from this type of accident is by having the right under/uninsured motorist coverages in place. To learn more about this essential coverage, contact the experts at Remland Insurance in Orange, California. We are ready to assist you with all your insurance needs today.