What to Do If You’re in a Car Accident with an Uninsured Driver

Finding yourself in a car accident is a stressful experience, and it can be even more daunting if the other driver is uninsured. Knowing how to manage this situation can help you navigate the aftermath more effectively and ensure that you are protected.

Safety should be your top priority. Immediately after the accident, check yourself and any passengers for injuries. If anyone is hurt, call emergency services right away. Even if there are no apparent injuries, call the police to report the accident. A police report can be crucial for insurance claims and legal proceedings.

Once you have ensured everyone’s safety, exchange information with the other driver. Even if they are uninsured, gather their name, contact details and any other relevant information. Additionally, document the scene of the accident. Take photographs of the vehicles, any visible damage, and the surrounding area. These details can be valuable when filing a claim with your insurance company.

Call Your Insurer

Notify your insurance company about the accident as soon as possible. Provide them with the information you have collected, including the police report, photos and details about the uninsured driver. Your insurer will guide you through the claims process and explain your coverage options

Uninsured motorist coverage is required in New York and is designed to help cover medical costs if you are the victim of a hit-and-run or are in an accident with an at-fault uninsured driver.

Personal injury protection is also required in New York and can help ensure that you and your passengers can access necessary accident-related medical and rehabilitative care regardless of fault. PIP can also help cover lost wages and certain other accident-related expenses.

Contact Us

Contact Morais Agency to learn more about how uninsured motorist coverage can help provide financial protection if you are in an accident with an at-fault driver who doesn’t have adequate auto liability insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.