Compensation for injuries and property damage from an accident with an uninsured driver can be challenging to navigate. It would be best to rely on your insurance provider in most cases, and most insurers have time restrictions, such as 30 days for uninsured motorist claims.

Call the Police

While it may seem obvious that you should call the police after an accident, this is even more important when dealing with an uninsured driver. The police report is critical for filing a claim or lawsuit against the at-fault driver. Collect witness info and take scene pictures too. Witness statements can be conducive to proving your case. Lastly, getting checked out at the hospital for a complete medical assessment is always wise. Even if you feel fine, symptoms of injuries like whiplash can sometimes manifest days or weeks after the accident occurs. Even if you think the crash was minor, it is best to call the police.

Exchange Information

If you get into a car accident with an uninsured driver, it’s essential to exchange information with the police. This will help ensure officers file a detailed official report of the incident. This can be incredibly helpful in a lawsuit against an uninsured driver later.

Unfortunately, some drivers will try to flee the scene or refuse to provide their insurance information. 

Suppose you get the driver’s license plate number and take pictures of the damage. Witness statements can also be precious in a car accident case. This could help you recover the full damages from the uninsured driver’s insurance company.

Gather Evidence

It’s essential to gather as much evidence as you can at the scene of the accident. When you have an accident, it’s essential to document as much information as possible. This includes taking photos of the damage to your car and the other driver’s car, noting road conditions, traffic signs, and the directions both cars were traveling at the time of the crash. Footage from nearby traffic or security cameras may also be helpful.

Suppose you’re dealing with a hit-and-run, uninsured driver or have substantial damages that your UM/UIM insurance will not cover. In that case, you can consider suing the uninsured driver personally for the remaining damages. However, this is something you should consult with an attorney. A lawyer can assist in exploring compensation options, such as obtaining judgments against the driver’s assets and researching state programs that provide additional funds.

Contact an Attorney

While it may be tempting to try and handle things on your own after a car accident, especially with an uninsured driver, that can often be a bad idea. An attorney at Killian Law in Grand Junction, CO can help you navigate your options and determine if pursuing the uninsured driver is in your best interests.

Depending on your state’s laws, you can file an uninsured motorist claim with your insurance company. However, you must notify your insurance provider immediately after the crash to ensure all deadlines are met.

Contacting an attorney may also be a good idea if you believe the uninsured driver has substantial assets or income. This could make it possible to sue them outside the insurance system and receive additional compensation for your injuries.

File a Claim With Your Insurance Company

While it requires having this sort of policy, it’s a good idea to file an uninsured motorist claim with your insurance provider as soon as possible after the accident. Many insurance companies limit policyholders’ length to make such claims, so you’ll want to ensure you get started.

Unless you reside in a no-fault state, uninsured driver coverage is necessary to cover your losses from an accident. In the event of a crash caused by an uninsured driver, filing a personal injury lawsuit against the driver who caused the crash does not cover your medical bills or other expenses. Sticking with the insurance route is best, as this may save you time and money in the long run. The other driver might offer you money in an attempt to avoid hefty fines, but it is essential to resist this temptation.