Being in a car accident is stressful enough, but it’s even more stressful when the other driver doesn’t have insurance. If you find yourself in this situation, don’t panic.
At Infinity Insurance Group in Post Falls, ID, we’re here to help you through the process and make sure you’re taken care of.
Here’s what you need to do if you’re in an accident with an uninsured driver:
Exchange Information With the Other Driver
You’ll need their name and contact information. It’s also important to get the make, model, and license plate number of their car. If there are any witnesses to the accident, be sure to get their names and contact information as well.
Call the Police
Even if the damage appears to be minor, it’s always a good idea to involve the authorities. The police will document the accident and collect evidence that will be useful if you need to file a claim with your insurance company.
Take pictures of the damage to both vehicles as well as any visible injuries. These photos will be essential in proving the extent of the damages incurred.
Since the other driver is uninsured, you’ll have to file a claim with your own insurance company. Most likely you’ll need uninsured motorist coverage or uninsured motorist property damage coverage which are optional add-ons to your policy. The former covers your medical expenses while the latter covers damage to your vehicle.
Protect Yourself From Uninsured Drivers
No one wants to deal with an uninsured driver, but unfortunately, accidents happen. If you find yourself in this situation, don’t panic—just follow these steps and you’ll be able to handle it like a pro. And if you ever need assistance or have any questions along the way, don’t hesitate to give us a call at Infinity Insurance Group in Post Falls, ID — we’re always happy and eager to help.