What to Do If You’re Hit by an Uninsured Driver: A Step-by-Step Guide

Being in a car accident is scary. Things only get more complicated if you’re hit by an uninsured driver.

If you are unfortunate enough to be hit by an uninsured driver? Don’t panic! Follow these six steps if you are in an accident involving an uninsured driver.

Step 1: Contact the Police 

As with any accident, you should notify the police first. This is even more important when you’re hit by an uninsured driver. Having a police record and an accident report helps you get your expenses covered and aid in the claims process.

Step 2: Document the Scene 

When your vehicle is damaged and you file a claim with your auto insurance company, you want to make sure you receive fair compensation. That’s why it’s important to gather evidence to support your claim, especially when you’re hit by an uninsured driver. Take pictures of the accident with your smartphone and make sure you capture the damage to all vehicles involved. Next, jot down notes to help you remember what happened, including:

• Who was driving each vehicle
• What led to the accident
• The speed of your vehicle
• Current road conditions
• Any distractions such as texting or talking on the phone

Step 3: Exchange Information 

If the police are at the scene, they’ll document the other driver’s information. It’s vital that you do, too. Use this list as a guide for what to record:

• Driver and passenger names
• License plate numbers
• Driver’s license number and the state in which it was issued
• Makes and models of all vehicles involved
• Contact information of eyewitnesses
• Location of the accident
• Name/badge number of responding police officers

Step 4: Contact Your Insurer

What action your insurance company takes at this point may depend on a few other factors, such as the amount of damage to the vehicles and your policy’s specific coverages and limits. 

Step 5: Take Care of Yourself 

If you’re injured in the accident, you’ll likely have medical expenses. Your claims professional can explain how these benefits apply toward your medical bills and lost wages. Before an accident happens, work with your agent to select adequate coverage to pay your medical bills in the event you are injured by an uninsured motorist. Consider investing in uninsured motorist coverage so that you are protected if you get hit by an uninsured driver.

Step 6: Repair Your Vehicle

Talk to your insurance company for guidance on how to get your vehicle repaired. There may be a specific process to follow, certain auto repair companies to use or specific forms to complete.

Preparation Is the Best Measure

Having the right coverage in place is the best way to protect yourself in the event of an accident with an uninsured motorist. Talk to your Farm Bureau agent today about what makes sense for you.