Just like with your relatives, you don’t get to pick who hits you in an accident. Dealing with a car accident caused by an uninsured driver is especially difficult. An uninsured motorist is a driver who has NO automobile liability insurance. What should you do if you get hit by an uninsured driver?
Get as much information as you can at the scene of the accident.
Even if the other driver doesn't have insurance, try to get their name and contact info. Many uninsured drivers will not want to give you their information or will drive away without talking to you. Write down their license plate number so you have some way to track who was in the accident. Then take photos and gather information that could help you prove who was at fault in the accident.
Call the police.
Even if the other driver flees the scene or doesn't want to get the police involved, this is a crucial step. You will want an official report of the crash on record. This will make it easier to prove fault and receive compensation for the accident.
Call your Insurance Company.
Both Nebraska and Iowa require all automobiles to have “uninsured motorist coverage” on our own automobile policy. This coverage will provide compensation for your medical bills and your injuries if you are hit by an uninsured driver that has no money or ability to pay for your non-car related damages. Unfortunately, this uninsured coverage will not pay for your car damage caused by an uninsured driver. You must have collision coverage (minus your deductible) to get your car fixed after being hit by an uninsured driver.
I Want to Help You.
If you’re left with damages after a crash with an uninsured motorist and have questions about filing an uninsured motorist claim with your insurance, I'm here to help. I will focus on you and the evidence relating to your accident. Contact me to schedule a free accident evaluation.