An estimated 14% of motorists in the U.S. don’t have auto insurance. What do you do if you’re in a collision with an uninsured driver? Will your insurance cover you? To what extent is the uninsured driver liable?
What to Do When in a Collision With an Uninsured Driver
For the most part, you go through the same process in any auto collision scenario. First, find a safe location to pull over; then make sure all parties involved are okay. Call 911 if anyone requires medical assistance.
Take photos of both vehicles from multiple angles. Also, be sure to take a photograph of the other driver’s license plate. Next, call your insurance company to report the incident. You should also ask to see the other driver’s license. Keep in mind that the driver may not cooperate because driving without insurance will incur a penalty.
Be ready to describe the incident to law enforcement and the insurance company exactly as you remember it.
What Happens Next?
You determined the other driver doesn’t have insurance. What happens now? If you’re at fault, your insurance will cover the damage to the other vehicle. If the uninsured driver is at fault, then one of two outcomes may occur.
If your policy includes uninsured motorist coverage, then the insurance company will foot the cost of collision repairs. Another scenario is that your insurance company will cover damages to your vehicle by suing the uninsured driver. If this happens, you may need to appear in court to give a testimony.
We Handle the Repairs
Regardless of the circumstances of the accident, bring your car to Absolute Auto Body for repairs and auto painting restoration. Our warranty covers all facets of our work. If you’re in a collision with an uninsured driver, stay calm and proceed as you would in any other collision incident.
Full Collision Body Repairs
Two Locations to Serve You: Everett and Lynnwood