What Happens if You’re Hit by an Uninsured Driver?

Being involved in an accident is stressful, and discovering the other driver is uninsured can make it even worse. Letson Insurance Agency Inc. can help you understand the steps you can take and the options available if you face this situation.

Steps to Take After an Accident With an Uninsured Driver

If you’re in a collision and the other driver lacks auto insurance, the following steps may help:

• Stay calm: Move to a safe location if possible and check for injuries. Call for medical help if needed.
• Call the police: Report the accident. A police report can be key evidence for your claim.
• Gather information: Get the other driver’s name, phone number, license plate and vehicle details. Take photos of the damage and the scene.
• Document everything: Write down what happened, including time, location, weather and any witnesses’ contact information.
• Notify your insurer: Contact your insurance company as soon as possible with your documentation so your claim can move forward.

The Importance of Uninsured Motorist Coverage

Uninsured motorist (UM) coverage may apply when you’re hit by a driver who lacks insurance or in hit-and-run accidents. In Indiana, insurance companies are required to offer UM coverage, though drivers can reject it in writing. Carrying this coverage is strongly recommended, as it can help cover medical expenses, lost wages and property damage when the at-fault driver can’t pay.

We’re Here to Help

Our team can help you with the claims process and answer any questions you may have about your policy. Contact Letson Insurance Agency Inc. today to learn more and get a free custom quote.

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.