Wednesday, March 16, 2011

What To Do If You Are Hit By An Uninsured Driver

We all know that driving without insurance is illegal. If caught you can and will be fined a minimum of $5,000.00 on conviction and also have your license suspended and car impounded. There are many collisions that involve uninsured drivers. These motorists cost the province’s 9 million insured drivers approximately $27million a year in licensing fees and another $100million in insurance premiums to cover costs related to uninsured accidents.

What should you do when hit by an uninsured driver?

1) Write down license plate number and description of vehicle and driver that hit you. It’s very common for a driver who doesn’t have car insurance to flee the scene of the accident.
2) Call for emergency assistance. Do not leave the scene and wait for help to arrive.
3) Try and take pictures of the driver’s car, your car and your surroundings. Gather as much information as you can. Were there witnesses? If so, get their names, addresses and phone numbers.
4) Once the police arrive and an accident report has been made, get the information of the other driver. Make sure to get their name, address and phone number.
5) Contact your insurance company and explain the situation and ask the details of your coverage and what your options are. See if you have uninsured motorist coverage. Your insurance company will likely cover the damages and may go after the uninsured driver.
6) If you feel you are entitled to more money for injuries caused, you should speak to an attorney. Your attorney can file a lawsuit against the uninsured motorist. However, in most cases, those who drive without car insurance usually have no money which is why they don’t have insurance coverage.

When you get into any accident, remember to never talk to the other driver about who is at fault and about any monetary settlement. Let the police, insurance company or attorney handle this.
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