Accidents with an Uninsured Driver

Step 1: Call the police

With any auto collision, it’s always a good idea to call the police. But it’s even more important whenever you find yourself in an incident involving an uninsured driver. Getting a police record and an accident report will go a long way toward getting your expenses covered and will help ease the claims process.

You’ll additionally want to take photos of the damage, the location where the accident happened, skid marks, and any various other particulars of the scene. Use your mobile devices or borrow one to take pictures. It is also a good idea to sketch a simple diagram of the scene of the accident.

 Step 2: Swap Personal Information

The police will certainly take the other motorist’s information, but it’s essential for you to do this too. In fact, this step is where you might learn that the other driver doesn’t have any insurance policy at all. Be sure to get all the info you can having to do with the other driver and their car, along with the contact details for any witnesses.

Gather the uninsured driver’s

• First and Last Name
• Driver’s License Number
• Address, City, State, Zip
• Phone Number

 Step 3: Give Us a Call

What Lifelong Insurance will be able to do at this point depends on a few things, like how much damage was sustained and the specifics of your policy. If you already have uninsured motorist protection (both bodily injury and property damage), your insurance policy can do a lot for you when you report your claim. And if you don’t have this uninsured coverage, we’ll help you plan your next steps.

 Step 4: Medical Expenses

If you’ve been injured, you’ll likely incur some medical expenses. Typically, the other motorist’s bodily injury liability coverage would take care of it. But, in this situation, the other vehicle owner neglected their responsibility. Your health insurance may take care of your medical expenses, but you might be left covering your deductible out of pocket.

With uninsured driver bodily injury protection, however, your carrier is going to be able to assist you to cover these expenses, including medical bills and lost wages– factors that the other driver’s auto insurance ought to have covered.

 Step 5: Take Care of Your Vehicle

Just like you would certainly after any collision, talk to either David or Diona and see what you can do about having your auto repaired. If you have uninsured motorist property damage coverage, your repairs will likely be dealt with as though the other driver’s insurance policy were taking care of it. If you don’t, your insurance coverage won’t be sufficient to deal with the total cost of your repairs, and you might have to seek reimbursement through other methods (namely the courts, which could get tricky).