About fourteen percent of Texans drive without insurance, according to research published in 2015 by the Insurance Information Institute. When an uninsured motorist gets involved in an automobile collision, things may get complicated fast. If the motorist cannot afford to pay for everything, the situation becomes even direr. It’s possible you’ll need legal representation to secure fair payment for your losses. Learn more!
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In the event of a car crash involving a driver who does not have auto insurance, what are your options?
An uninsured driver uses a motor vehicle without carrying at least the minimum amount of liability insurance required by law in their state. When such motorists create accidents that injure people or damage their property, it can be costly for those affected. Very few drivers without insurance can afford to cover the costs of repairing damaged vehicles. So, victims may be responsible for their own losses.
What Should You Do If You’ve Been in an Accident With Someone Who Doesn’t Have Insurance?
The following measures should be taken in the event of an accident with an uninsured driver:
Complain to the Authorities
The uninsured motorist involved in the accident may try to persuade you not to file a police report. They may use psychological or emotional coercion to get you to do what they want. Keep away from the responsible party and don’t give them your thoughts about the car crash.
It’s also important to remember that if you don’t report the accident, you won’t be able to collect any damages from your insurance company or anyone else who could have played a role in causing the accident.
Collect the Evidence
While waiting for the authorities, it’s important to assess the scene of the vehicle accident and gather evidence to back up your claim. The other driver should be asked for their name, address, and insurance.
- Name \ Address
- Spoken in the form of a licence plate
- Permit to Drive
- Contact information and driver’s licence info
- Particulars on Coverage for Injury or Loss
- Take pictures of your car and any other vehicles that were damaged.
You should also make sure to obtain other information about the vehicle accident’s setting, including:
- The scene of the mishap
- Conditions for Travel
- Incidence time and date
- You and the other driver were going
- What direction(s) does/does debris come from?