What Do You Do If You Are In An Accident With An Uninsured Driver?

There are many drivers that are surprised to see that the person who caused their car accident was uninsured. Although having insurance is a requirement in Indiana, there are several drivers on the roadways without proper insurance. If you are involved in a car accident with an uninsured driver, you may think you are out of luck when making a claim, but often that is not the case.

You may have uninsured motorist coverage on your auto policy that can cover your vehicle and even provide coverage for injuries sustained in a car accident with an uninsured driver. It is important to personally review your policy to know what portions may be applicable to you following a car accident. A claim can be made on your behalf for uninsured coverages as well as med-pay, which may also be listed as medical reimbursements on your policy.

Call the Police for an Official Police Report

If you have been involved in a car accident with an uninsured driver there are a few things, you need to do to protect yourself. The first thing you should do is call the police for a police report to be prepared. Exchanging information alone is not sufficient as many times the driver’s story changes once leaving the scene of an accident, causing issues with the insurance company’s investigation into liability. Stay at the scene of the accident until police arrive.

Seek Medical Attention

Secondly, if you are injured is seek medical care. You want to make sure that you have consistent care following the incident for accident-related injuries. Should you not have medical insurance, there are other ways to pay for medical care, for instance, if you have med-pay or medical reimbursements on your auto policy. That would cover medical bills up to your policy limit.

Call Your Auto Insurance

Once you have presented for medical care, call your auto insurance, and report the accident. In fact, in Indiana, your auto insurance is required to send a Certificate of Compliance to the Indiana BMV, and if not received within ninety days (90) of the BMV sending their request for financial responsibility your license will be suspended. You can have the suspension removed once your auto insurer provides the requested documentation. Once you are starting to recover from your injuries, your auto insurance should be your next call. Although when talking to them it is important to not give a recorded statement without speaking with a personal injury lawyer.

During this time, it is important to keep in mind that your auto insurance is now stepping into the position of liability insurance. Although they are your personal company, you may notice they take a less friendly approach with you while investigating the claim. It is important to comply with what your policy states, but do not provide information not requested or otherwise unnecessary. Before signing any releases, or any documents from your auto insurance you should seek the advice of an injury lawyer.
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