What to Do If You’re Hit by an Uninsured Motorist

Key Highlights:

Stay Safe: Check for injuries, move to a safe spot if needed, and call 911.
Report the Accident: Call the police and file an official report.
Gather Information: Collect the other driver’s details and take photos of the scene.
Get Medical Help: See a doctor to document any injuries.
File a Claim: Use your uninsured motorist coverage to claim damages.
Talk to Your Insurance: Share evidence and follow their guidance.
Seek Legal Advice: Consult a lawyer if needed.
Keep Records: Save receipts for repairs and medical expenses.

You’re driving along, minding your own business, when suddenly. Boom! Another car crashes into you. Your heart is racing, and you’re trying to figure out what just happened. Then, to make matters worse, you find out the other driver doesn’t have insurance. Frustration, fear, and a bunch of questions hit you all at once. “Who’s going to pay for the damage?” “What if I’m hurt?”

It’s totally normal to feel saddened in a situation like this. You might be worried about the cost of repairs, medical bills, and whether you’ll have to handle everything on your own. But don’t panic! You’re not alone, and there are steps you can take to protect yourself from uninsured drivers.

Follow me, we’ll break it down for you – what to do after being hit by an uninsured driver, how to cover your costs, and how to prepare yourself in case it ever happens. Let’s get started!

Step 1: Stay Calm and Stay Safe

First things first, take a deep breath and check if everyone is okay. If the accident happened in a dangerous spot, move to a safer area if possible. Call 911 to get medical help if needed.

Step 2: Call the Police

It’s really important to call the police and report the accident. They’ll create an official report, which can be super helpful later on, especially since the other driver doesn’t have insurance. Make sure to give the officers all the details you can.

Step 3: Get Information

Even though the other driver doesn’t have insurance, you should still gather as much information as possible. Get their name, phone number, license plate number, and take pictures of the accident scene. If there are any witnesses, ask for their contact info too.

Step 4: Take Photos

Grab your phone and take pictures of the damage to both cars, the location of the accident, and any other details that might help explain what happened. These can be really useful when dealing with insurance companies.

Step 5: Get Medical Attention

Even if you feel fine, it’s smart to see a doctor. Some injuries might not show up right away, and having medical records will help if you need to make a claim later.

Step 6: File an Insurance Claim

Now, here’s where it gets tricky. Even though the other driver doesn’t have insurance, you can still file a claim with your own insurance company if you have uninsured motorist coverage. This type of coverage helps pay for damages when the at-fault driver doesn’t have insurance.

Step 7: Talk to Your Insurance Company

When you talk to your insurance company, explain what happened and share the police report and any other evidence you’ve collected. They’ll guide you through the next steps.

Step 8: Consider Legal Help

If things get complicated or you’re not sure what to do next, it might help to talk to a lawyer. A personal injury lawyer can help you understand your rights and get the compensation you deserve.

Step 9: Keep Track of Everything

Save all receipts for repairs, medical bills, and any other costs related to the accident. These will come in handy when filing your claim.

By following these steps, you’ll be better prepared to handle the situation if you ever get hit by an uninsured motorist. Remember, staying calm and taking action can make all the difference!

All our cases are handled contingently, so you only have to pay us once we win. Contact us today for a free case evaluation

How Can a Lawyer Help After an Accident with an Uninsured Motorist?

Dealing with an accident caused by an uninsured driver is stressful, but having a personal injury lawyer by your side can make all the difference. Here’s how our team can help you:

Collect Important Evidence: After an accident, your lawyer will gather key evidence, such as photos, documents, and witness statements, to prove what happened and who’s at fault.
Handle All the Paperwork: Legal forms and insurance claims can be tricky. Your lawyer will take care of the paperwork so you can focus on healing and getting back on track.
Fight for Fair Compensation: Whether it’s for medical bills, car repairs, or lost wages, we’ll fight to get you the compensation you deserve. Just because the other driver didn’t have insurance doesn’t mean you should be left to pay for everything.
Guide You Through Legal Questions: If you’re asked tough legal questions or need to talk to insurance companies, your lawyer will prepare you every step of the way, ensuring you know exactly what to say and do.

For more details on how an attorney can assist you, check out our Personal Injury FAQs.

Talk to an Uninsured Motorist Accident Lawyer Today

If you’ve been hit by an uninsured driver, don’t try to go through the situation on your own. Our experienced uninsured motorist accident lawyers can help you stand up to insurance companies, handle all the legal steps, and make sure you get what you’re owed. You don’t need to worry about upfront costs either—we won’t charge a fee unless we win your case.

Conclusion:

Being hit by an uninsured motorist can feel frustrating, but by following the steps above, you can protect yourself and your financial well-being. From staying calm and documenting everything to filing a claim with your insurance company, each action plays a critical role in ensuring you’re covered. And remember, you don’t have to handle this alone. An experienced uninsured motorist accident lawyer can help gather evidence, deal with insurance companies, and fight for the compensation you deserve.

If you’re facing this situation, don’t hesitate to reach out for help. We’re here to guide you every step of the way. Contact us today for a free consultation or call (404) 888-4444, and rest assured—you won’t pay unless we win your case.