What Should I Do If I Am Hit By An Uninsured Driver?

Car accidents are unfortunate. Even the most experienced drivers in Philadelphia, once in their lives, get involved in a car accident caused by an uninsured motorist. The experience of a car accident is already traumatic, and having an uninsured driver cause you damage makes the situation even more complex and challenging to deal with. 

While you are provided with a car insurance company to recover damages and get compensation, this does not always work in the case of uninsured drivers. It is highly recommended that you get help from a reputed firm to recover damages and get legal advice. Here are some key steps to take place if you have an unfortunate accident with an uninsured driver.

Steps to take after getting hit by an uninsured driver.

  1. Document the scene of the accident.

Take note of the vehicle’s information, including the brand, model, and registration number. Try to get as much information as you can from the at-fault driver if they are still at the scene of the accident. You can submit a police report and demand that the other driver pay for the repairs of your vehicle based on the information you get about the other car and the uninsured motorist.

  1. Contact your insurance provider.

Call your insurance company and provide them with all the information you have. Include specifics about the other driver and any witnesses. Based on the coverage of your policy, your car’s insurance company will advise you on the next course of action. Personal accident coverage can also come into play if you have suffered catastrophic injuries.

  1. Gather evidence and witnesses.

Following the accident, take as many pictures as you can of the scene and the vehicles. Take photos from every angle to make sure you capture every important detail. Look for witnesses, ask them if they are willing to give a statement in court, testify against the negligent driver, and get their contact information.

  1. Inform the police.

When you have gathered enough evidence on your own, it is time to submit a complaint against the negligent driver legally. The police will start an investigation after you lodge an FIR, and they might be able to identify the driver who damaged your car. 

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It is crucial to file the FIR as soon as possible after an accident because the insurance company will need a copy of it in order to process claims for third-party auto insurance. You need to give a copy of the FIR to the at-fault driver’s insurer if they are underinsured or uninsured. The copies can help you obtain compensation from the uninsured driver.

Dealing with an uninsured driver can be challenging. Do not hesitate to call a car accident attorney in Philadelphia today!

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