• Sep
    Posted in:
    Posted by: Jarve Kaplan Granato Starr

    What to do If You’re in a Car Accident an Uninsured Driver

    You know the drill. When you’ve been involved in a car accident, one of the first things that you do is exchange insurance information with the other driver. But what happens when your request for their insurer name and policy number results in a blank look and the news that they are uninsured?

    The answer to that question partially depends on both the type of insurance that you purchased and on where your accident occurred. No matter the answer to those questions, the very first thing you should do if you’re involved in a car accident is to call the police to the scene. There are several reasons for doing this. The police will carefully examine the scene, interview those involved and any witnesses, and write up a police report that indicates who they believe was at fault. That report will be very important to your next step, as you will need to have that when you contact your insurance company and report the accident.

    Though drivers in most states are required to carry auto insurance, there are some who do not comply, or who are underinsured. This is the reason why motorists are offered uninsured and underinsured insurance, and if you chose to purchase this coverage your insurance company should provide coverage for the damages that you’ve suffered.

    The other pertinent information involves the location of your accident. This is because some states have no-fault rules that do not make the at-fault driver responsible for the outcome of an accident. In those states, your insurance company provides your coverage. In traditional at-fault states, if you have been in an accident with an uninsured driver then you can sue them for damages. Unfortunately, the outcome of such a lawsuit is often disappointing, as a driver who does not purchase auto insurance generally is somebody who does not have assets that will cover the cost of a significant injury or property loss.

    To determine what your best options are if you’ve been in a car accident with an uninsured driver, contact our office today to make arrangements to speak with one of our experienced car accident attorneys.

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