3 Steps for an Accident with an Uninsured Motorist

 

We analyzed the most recent data from the Insurance Research Council (IRC) as accident attorneys in Rock Hill, South Carolina. It indicates that little more than 14 per cent of the driving population in America is uninsured. Economics is one of the most important causes of why people do not have automotive insurance. Over the last four years, the US economy hasn't exactly been blazing on all cylinders, and people have slashed costs where they think they can get away with it. Although strict rules can result in fines and imprisonment, drivers are nevertheless ready to take the risk.

We'll go over three things you should do if an uninsured driver hits you before leaving the site of an accident in this post.

In most car accidents, the at-fault driver's insurance pays for the damages. But, with 14% of drivers driving without insurance, what should you do if you're in an accident with one? Before you and the other driver leave the scene, you must take the three measures outlined below.

1.      Gather plenty of information

You want to obtain as much information as possible, even if the other driver is insured. Obtain the driver's name, address, and driver's licence number. Take pictures of the damage to your vehicle, the other car, and the licence plate of the car that hit you.

2.      Call the police

Call the cops whether the other driver is cooperative or not, especially if the damage is substantial. The police will document the incident, and the report will aid you in filing an insurance claim. It is illegal to drive without auto insurance in South Carolina, and it is usually advisable to call the cops. You'll want to document the incident in a written report as well as any images you took at the scene.

3.      Contact your insurance company.

Now that you have the written report and the driver's contact information contact your insurance provider right away and take the necessary measures to notify them of the accident and start the reimbursement process. If the other motorist is at fault, announcing your insurance company will not raise your rates, but it is necessary if the other driver is uninsured. Your insurance company can tell you if your policy covers uninsured drivers and give you instructions on what to do next.

Concerned drivers can add Under-Insured Motorist coverage (UM) to their auto insurance policy to protect themselves from uninsured motorists. This coverage compensates drivers who are without payment due to uninsured motorists. The issue is that many people opt out of this policy to save money on their premiums, and those who do pay for it don't have enough liability coverage. If your liability coverage is inadequate, your UM coverage will be insufficient as well.

Contact Connecticut car accident lawyers.

Contact the Connecticut car accident lawyer if you find yourself in the unfortunate circumstance of being involved in a collision with an uninsured driver. Our New Haven car accident lawyers will fight for the money you are entitled to.

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