Here are some of the things you need to remember when dealing with an accident with an uninsured driver.
It’s no secret that dealing with an accident is a hassle; and finding out that the other driver doesn’t have insurance only makes things worse. If you ever find yourself in this situation, there are certain steps that you need to take. Here’s what you should do to effectively handle a car accident with an uninsured driver.
Call the Police
You should contact the police anytime you get into an auto accident. However, it is especially important to do so when the accident involves an uninsured driver. Having the police at the scene of the accident has several benefits. To start, calling the police will ensure your personal safety. When the police are present, you can prevent the uninsured driver from fleeing the scene or acting aggressively towards you. Additionally, when the police document the accident, they will do so accurately, ensuring that the other driver doesn’t lie, provide false information, or change their story later on.
Do Not Accept Money
Sometimes, an uninsured driver might offer you money to stop you from calling the police or reporting the accident to your insurance company. However, you should never accept this bribe. Accepting this money would constitute insurance fraud and, if your insurer found out, they would have rights to revoke your policy. Additionally, you might be short-changing yourself by accepting this money. There’s no guarantee that the money they offer you will be enough to cover your car’s repairs, so you might be forced to cover the rest of this expense yourself. Rather than jumping through these hoops it’s more ethical and cost-effective to address the accident with the appropriate legal channels.
These are two of the most important things you need to remember when handling an accident with an uninsured driver. Remember, the best way to protect yourself from an accident with an uninsured motorist is by having the proper auto insurance coverages in place. For assistance with your car insurance, contact the experts at Stromsoe Insurance Agency in Murrieta, California. We are ready to get you the coverage that you need today.