There aren’t many things that can drastically change your day as much as getting into a car accident. There’s the likely multiple vehicle damage and the potential injury to drivers, passengers or pedestrians, and then there’s the matter of who’s at fault. On top of all of that, there’s the prospect of going through the claims process with the other driver’s insurance company to look forward to. That is, if the driver who hit you has insurance.
In its most recent study, the Insurance Research Council stated that almost 13% of drivers, or 1 in 8, do not have insurance. According to data from the Georgia Department of Transportation, Georgia experienced more than 400,000 accidents every year between 2016 and 2019. As frequently as you see major backups on the highway, or even just two dented cars on the shoulder, it’s reasonable to expect that an uninsured driver will hit you one day. Some people plan ahead by adding on uninsured motorist coverage that’s equal to their liability limits. This type of insurance is usually affordable and can be extremely valuable if you’re injured by an uninsured motorist. But if you’re not insured against the uninsured, what should you do if one of those drivers hits you?
Here are four steps you should take after an accident with an uninsured motorist:
- Either you, the other party involved, or a witness should call the police. The authorities will officially document what happened and who was at fault. You should also notify them of any injuries, even if it’s only a minor ache. You can’t know the severity of your injury without a medical professional’s opinion. The police report and medical testimony will help ease the claims process to get your expenses covered.
- If you’re able to, make sure that you swap information. Just because the other driver doesn’t have insurance doesn’t mean that you shouldn’t take down their name, address, phone number, license plate, etc. Unless you’re injured, you should also speak with any witnesses to get their statement. All of this information can help your claim.
- You should take your own pictures and document the scene. Record the damage done to your car and theirs, as well as details like how the accident happened and in which direction the cars were traveling. Also take note of the surroundings or anything that could have influenced the situation, like traffic signals, potholes, etc.
- Contact your insurance provider to tell them you were hit by someone who isn’t insured. This officially starts the claims process and ideally sets you on the path to having your medical bills and car repairs covered. However, that is not always the case.
Contact an Experienced Auto Accident Attorney at The King Firm
If you feel like your injuries aren’t receiving the attention or compensation they deserve, you should speak with a personal injury lawyer who specializes in auto accidents. Although your insurance company is supposed to have your best interests at heart, they have to factor their own bottom line into every decision.
The King Firm is deeply experienced in handling accidents and knows how to pursue the best possible results for your case. Contact us today at 229-515-8585 for a free case consultation.