What To Do When An Uninsured or Underinsured Driver Hits You

Accidents can be devastating, and when the other driver is uninsured or underinsured, it may seem like your options are limited. In this article, we’ll discuss what to do when you’re hit by an uninsured or underinsured driver – from understanding your rights and exploring all forms of insurance coverage to exhausting all available resources.

After the Accident

If you’re involved in an accident with a driver who is either uninsured or underinsured, there are a few things you should do:

  • Call the police.
  • Exchange information with the other driver, including their name, insurance, and contact information.
  • Take pictures of the accident scene, if possible.
  • Get the contact information of any witnesses to the accident.
  • See a doctor as soon as possible, even if you don’t think you’re injured. Some injuries, such as internal bleeding, may not be immediately apparent.

The next step is to contact your insurance company to begin a claim. Your insurance company will likely require you to submit a copy of the police report and any medical bills or repair estimates. If your claim is approved, your insurance company will cover the damages up to your policy limit.

Don’t Navigate the Process Alone After an Accident

If you have been seriously injured in an accident with an uninsured or underinsured driver, you may want to consider hiring an attorney. An experienced personal injury attorney can help you navigate the claims process and recover the compensation you deserve. In hit-and-run accidents or accidents caused by a driver who lacks adequate insurance, your auto insurance policy’s uninsured/underinsured motorist coverage will play a significant role in ensuring you get the financial compensation you need to cover medical bills, pain and suffering, lost wages, and other accident-related damages.