Evaluating Your Options

Five Steps To Follow After An Accident With A Driver Without Insurance

26 July 2023

Dale Watkins

If you've been in a car accident with a driver who you discovered is not maintaining an auto insurance policy, despite it being required by law, you might be wondering what options are available to you for getting compensation for the damages. The path you should take depends on the facts available to you. The following are some steps you can take to safeguard your rights and seek justice after such an accident.

1. Report the Accident

As soon as possible after the accident, you should call the police and file a report. Tell your insurer about the accident and inform them that the other driver doesn't seem to be carrying insurance. Inform your insurer as well because you might be covered.

2. Gather Evidence 

If you can do so, gather information from the accident scene. You should also get the name, address, phone number, license plate number, and driver's license number of the other driver, as well as witness contact info.

3. Get Medical Care

Even if you think you are not seriously injured, you go to the doctor as soon as possible after the accident. Some injuries seem minor at first but worsen with time. Getting proper medical care will also document your injuries.

4. Consult with a Car Accident Law Office

Some drivers choose not to carry insurance because they cannot afford it or because they believe they are above the law. As a result, legal cases involving these types of motorists can be more difficult because you may need assistance from a lawyer for each step of the process.

A lawyer can educate you, negotiate with your insurance company or the other driver's insurance company if they have one, file a lawsuit if necessary, and represent you in court if your case goes to trial. 

5. Do Not Accept a Lowball Offer

After an accident with an uninsured driver, you may be contacted by your own insurer. They offer a settlement that may seem tempting but is much lower than what you are entitled to. Talk to a lawyer first. Doing so may prevent you from pursuing further legal action or getting more compensation later. Your insurer may offer less than your case is worth even if you are a customer.

Car accidents with uninsured drivers can be stressful and frustrating, but you do not have to face them alone. Contact a car accident law office, such as Blackwell Ruiz Injury Law, for more information.

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