What If You Get Hit by an Uninsured Driver?

You’re stopped at a red light. As you patiently wait for the light to turn green, you hear squealing tires followed by an abrupt jolt. After realizing a negligent driver rear-ended your vehicle, you get out to access the damage and exchange information. But there’s a problem, the other driver is uninsured.

So what are your options?

An accident involving an uninsured or underinsured driver is always a headache, but you can still numb that headache with the proper insurance coverage. It’s obvious things go smoother when every party is insured but that isn’t always the case. Fortunately, there are multiple options you can take to ease the burdens of working with uninsured drivers.

Nebraska law requires drivers to carry uninsured motorist coverage. That said, the law doesn’t specify the minimum and an expensive accident caused by an uninsured driver can still hurt your wallet. Also, the road is usually occupied by drivers from different regions and states—such a Virginia and New Hampshire, who do not require car insurance—with different insurance requirements.

At the scene

If you’re hit by an uninsured driver, the first step is to make sure all parties involved are okay and alert authorities. Once authorities are on their way, only move your vehicle if it endangers traffic, you want the accident to remain as authentic as possible for police to access the situation. You can keep your vehicle as is if the accident is on a multi-lane inner-city road or residential street, but it’s especially important to move your vehicle to the shoulder in high-speed areas such as highways or interstates.

The next step is to exchange information with the involved vehicle(s). You may discover that the driver is uninsured at this point, but will likely only find out if they’re underinsured when you file a claim. Never accept cash at the scene of the accident. This might look appealing if you’re in a hurry, but expensive damages may lie beneath the body of your car. If the at-fault party refuses to file a claim or only accept a money exchange and leaves—or commits a hit and run—take down as much information as possible before they leave. Writing down or remembering the license plate number is your best option to identify the vehicle and its driver if you wish to receive full compensation.

After the accident

Premiums should stay the same if you were not the at-fault driver as it’s illegal for many states to raise premiums in that scenario. Your next steps will be to fully file a claim with your insurance company. We recommend to not do this alone as uninsured motorist claims are complicated and filled with legal jargon. Your insurance company will cover any damages thanks to your uninsured motorist policy. If you do not have uninsured motorist insurance, you will likely have to sue in order to receive full compensation for damages caused to your car or personal injuries. If you choose not to sue, then you will definitely pay out of pocket for these damages, and that could be expensive.

Head to Shadow Lake Collision and repair

Our expertise is stated in our name. In addition, we give free estimates to your damaged vehicle. Consider stopping by for a second, expert opinion so your insurance company fully understand the damages and costs to repair them. No matter what the damages are to your vehicle, our quality, state of the art equipment can get your car back on the road. Give us a call, stop on by or schedule an appointment online today.