Accident With Uninsured Drivers

You may think your auto insurance policy meets all of your needs, but does it also include uninsured drivers insurance? True, driving uninsured is illegal in most states, but that hasn’t stopped the rate of uninsured drivers on the road from climbing.

To look for affordable uninsured drivers insurance now, check online using our quick quote service for auto insurance quotes. Find a policy that includes an appropriate amount of uninsured drivers insurance.

According to recent reports for the Insurance Information Institute, uninsured drivers are 10 percent more likely to get into a vehicular accident with an insured driver. However, too many policy holders lack sufficient uninsured drivers insurance on their policy. If you are unfortunate enough to get into an accident, especially with an uninsured driver, typically the costs will fall on you and your insurance company. Even if it is the other guy’s fault.
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What Uninsured Drivers Insurance Is

Uninsured drivers insurance is a way for you to financially protect yourself against a driver who lacks auto insurance or if it is a hit-and-run. Uninsured drivers insurance typically covers the policyholder, named drivers on the policy and any passengers in the car. Uninsured drivers insurance will cover any lost income due to the accident, damages, and medical bills if there are injuries. Compensation for pain and suffering is also covered by uninsured drivers insurance.

After The Accident: What To Do?

Best case scenario is that you were smart enough to get sufficient uninsured drivers insurance added to your policy before the accident. But if your policy doesn’t include uninsured drivers insurance, you should still file whatever claims necessary to see what your company will cover. Whether you do or don’t have uninsured drivers insurance, the financial responsibility will probably be on your side.
So what do you do if you are involved in an accident with an uninsured driver? Act quickly, stay calm, and don’t hesitate to do the following:

1. Collect all the information you can. You’re going to have to share this information with your insurance agent to fulfill any uninsured drivers insurance claim requirements. For your claim to be successful, the more information, the better.
* Write down the driver’s vehicle make, model, and registration number/license plate.
* Take down the driver’s name and address. However, don’t refrain from gathering other information (like the car’s registration number) for what the driver says is their name and address. If they’re not insured, they are probably going to be reluctant to indulge that information to you and may give you fake info.
* Write down any details you can about the car accident (or take pictures). This includes approximate speed of both cars, weather and environmental conditions, road markings, damages to both vehicles, injuries, etc. This is necessary to know how much your uninsured drivers insurance has to cover.
2. Call your insurance agent. Along with the police (and the paramedics, if someone is injured), the first person you should call is your auto insurance agent. They have experience dealing with uninsured driving insurance claims and accidents and will tell you what to do and look out for your best interests.
3. Talk to witnesses. If pedestrians on the street or a nearby shop owner happened to witness the accident, get their account of the event and include their names and contact information. Give it to your insurance agent when you make a claim on your uninsured drivers insurance.

Getting Uninsured Drivers Insurance

If you are unsure as to whether your policy includes or has enough uninsured drivers insurance coverage, contact your car insurance agent immediately. To find uninsured drivers insurance for a low rate, shop online now using our online forms for auto insurance quotes and policies.