What should I do when hit by an uninsured motorist?

Can I still get compensation if I’m hit by an uninsured driver? What should I do when faced by such a challenge? These are some of the common questions we receive at Rising Star Insurance from some of our auto insurance clients. Despite carrying a minimum liability coverage being a requirement by the law, we still have some regular drivers across Saint Paul, MN who still drive without insurance. This is not only dangerous to the driver but other drivers and passengers as well. It is also a criminal offense.

So, what should you do when hit by an insured driver?

Call the Police

If you ever get into an accident, whether the other party has insurance or not, always call the Police. If you are dealing with an uninsured motorist, then this step becomes even more critical. The Police will help you get your compensation and make the whole claim process faster and smoother.

Do not accept any negotiations until your insurance agents and the Police have arrived

Never negotiate with an uninsured driver. This is a common occurrence as most uninsured drivers try to avoid the hefty fines and the legal repercussions that come with driving without insurance.  For this reason, they may try to trick you and offer to give you a certain amount of money, so you clear the compensation before it gets to the Police. Remember, at this point; you don’t know how much damage or injuries will cost. So, even if it seems a good deal, don’t accept money.

Gather as much evidence as possible

Take pictures of the vehicle as well as the damage done to your car. Get the make and model of the other vehicle and record the time of the accident and the badge number of the officer who will attend to you.

Getting hit by an uninsured driver can be worrying, but not when you have Rising Star insurance agents around. We care about your safety, and that’s why we will be there with you to make sure you get compensation and the justice you deserve. For more discussions about uninsured accidents, feel free to visit us at Saint Paul, MN today.