Unfortunately, accidents are sometimes caused by uninsured drivers regardless of laws requiring every driver to obtain auto insurance before registering their car. According popular polls including but not limited to the Insurance Research Council, about 1 in 8 drivers do not have auto insurance. Keep in mind that when in an accident when an uninsured driver, you will have to file an uninsured motorist claim against your insurance policy.
Therefore, here are the best tips to follow when dealing with an uninsured driver: 1. File a Police Report. This is imperative given your insurance adjuster will request it. The absence of a police report doesn't mean your claim will be denied but the presence of a police report makes things move more smoothly. 2. Don’t accept any offer from anyone - without consulting with an attorney. This includes both the at fault driver and the insurance adjuster for your insurance company. 3. Exchange information. Make sure you obtain as much information as possible from the other driver. Especially where the police does not arrive at the scene of the accident, you will need this information to subsequently file a police report. 4. Take pictures. Make sure you get enough pictures of both cars with particular attention at the areas of damage. 5. Seek immediate medical attention.
6. Contact your insurance company and report the accident OR (preferably) contact an experienced personal injury lawyer to better ensure that your case is protected.
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