Being involved in a car collision is a stressful and challenging experience. It becomes even more complicated when the other driver does not have auto insurance.
It is helpful to know how to handle this situation and what steps to take to recover your losses.
Check your own insurance policy
First, you should review your own auto insurance policy to see if it includes uninsured motorist coverage. Many states require insurance companies to offer this type of coverage, which helps protect you in case the other driver does not have insurance or has insufficient coverage. Uninsured motorist coverage can help cover medical expenses, property damage and even lost wages resulting from a collision with an uninsured driver.
File a claim with your insurance company
If you have uninsured motorist coverage, you can file a claim with your own insurance company. They will investigate the incident, assess the damages and determine the amount of compensation you may be able to receive. Keep in mind that the process might take some time, and you may need to provide documentation, such as medical records and repair estimates, to support your claim.
Collision coverage
If you don’t have uninsured motorist coverage, you can still turn to your collision coverage if you have it. Collision coverage can help pay for the repairs or replacement of your vehicle, regardless of who is at fault in the collision. However, it does not cover medical expenses or other losses that may result from the incident.
Dealing with an uninsured driver in a car collision can be a challenging experience. Always review your own insurance policy and understand the coverages you have in place to protect yourself in such situations.