What to Do If You’re Hit by an Uninsured Driver?

by Terry Bryant

Car insurance exists to protect people when things go wrong. You likely have an insurance policy that you pay for every month or every few months. We don’t have these policies just to save ourselves from expensive medical bills or vehicle repairs; we have policies to ensure that others won’t be left facing great financial costs if we cause them harm in a crash.

In other words, insurance benefits both us and others. If you’ve had the misfortune of being injured by an uninsured driver, you know how frustrating it can be. You probably have many questions you want answered. Who will pay your bills? Who do you turn to for help?

Mostly, you likely just want to know what to do if you’re injured by an uninsured driver. The short answer is to take these steps…

  • Call 911 as soon as the crash happens.
  • Seek immediate medical attention.
  • Ask witnesses for contact information.
  • Take pictures of the scene of the crash and the damage to your vehicle.
  • Contact your insurance company to report the crash.
  • Call an experienced attorney as soon as possible.

Though we’ll dig more deeply into the reasons you should follow this process, you should know that it’s important to get medical attention and document the expenses you face as thoroughly as possible.

The bad news is that the other driver will make your process of getting compensation a little more difficult than it would be if they did what the law required of them. The good news is that you do have options, and you will likely have other means to get the payment you’re entitled to.
So, what happens if you get in an accident with an uninsured driver? Let’s look at some steps you should take.

What to Do if You’re Hit by an Uninsured Driver

The steps you take following your crash will have a big impact on your ability to get compensation for the harm or property damage you’ve suffered. Let’s revisit the steps listed above to gain a better understanding of why each is so important when filing a claim.

  • Call 911. The police will respond to the scene of the crash to speak to those involved and, ultimately, file a police report. The report will be used by you and your attorney when filing a claim for compensation, so make sure you cooperate to the best of your ability with the responding officer.
  • Seek immediate medical attention. If you believe you have been injured, or even if you suspect you were injured, you should seek medical attention as quickly as possible. If you forgo medical treatment, you might have insurance payments denied because you didn’t see a doctor. Seeking treatment isn’t just the best step to take for your health, it’s also the best step to take for your claim.
  • Ask witnesses for contact information. If possible, ask witnesses for their contact information. Their account of what happened could be crucial when you file a claim.
  • Take pictures of the scene of the crash and the damage to your vehicle. If possible, take pictures of the scene of the crash and the damage to your vehicle. These pictures will be evidence of the damages you’ve suffered at the hands of the uninsured driver.
  • Contact your insurance company to report the crash. Your insurance company will likely be one of your best options for receiving compensation, so they should be notified of your crash as soon as possible. You can tell them what happened and that the other driver didn’t have insurance.
  • Call an experienced attorney as soon as possible. These cases can be complicated for someone without experience with uninsured motorist claims. An attorney will be able to guide you through every step of the process, so you can be sure you are given the compensation you deserve. Your attorney will have experience handling these claims, and they will be able to advise on the wisest course of action. Generally, you have a few different options available when injured by an insured driver.
  • Considerations for Those Injured by an Uninsured Driver

    Though it’s never an ideal situation, you will have options available after being hit by an uninsured driver. In many cases, your own insurance company will be responsible for helping you meet the bills you face. Obviously, the extent of the coverage in your policy will be a factor for how much money your own insurer will owe you.

    The at-fault party is responsible for the damage they’ve caused. In some situations, the best path forward is filing a personal injury lawsuit directly against the at-fault driver. Because they didn’t have car insurance, they can be held accountable for the costs you face. It’s often the case that someone who doesn’t have a policy doesn’t have a great deal of financial resources, but you and your attorney will still look at a personal injury claim as a means to get the payment you deserve.

    Sometimes, a combination of strategies is necessary to get the payment for the damages you have suffered. Every case is different, and your attorney will be able to look at your situation to determine the best way forward. If you’d like to learn more about car accident claims, please give our team a call or browse our site for more information.

    If You’ve Been Hit by an Uninsured Driver in Texas, Contact Our Team Today

    At Terry Bryant Accident & Injury Law, we help people get the compensation they are entitled to. We understand that no case is ever ideal for someone who has been hit by another driver. Things might seem more frustrating for you when that driver doesn’t have insurance, but you shouldn’t give up hope.

    Our attorneys will walk you through your options, so you can be sure you get compensation for your property damage and medical bills. Contact Terry Bryant Accident & Injury Law today to speak to our team and schedule a free consultation.