One too many, that. Additionally, if you have auto insurance, the possibility of being involved in an accident with an uninsured driver may unnecessarily worry and alarm you. It’s unfortunate that drivers may worry about getting into an accident given the over 43K fatal car accidents that will occur in 2021 (an increase of roughly 11% from 2020).
What happens if an uninsured driver causes an accident involving you? What actions ought you to perform? Fortunately, our insurance team could know something about the subject.
Before you drive, make sure you have the appropriate coverage.
Examining the coverages that are necessary for a policy is always a good idea when you are comparing quotes and vehicle insurance. Although comprehending insurance might be challenging, we’re here to assist make it a bit easier.
It’s advised to get additional coverages for your vehicle insurance above the minimum requirements of liability, comprehensive, and collision. These additional coverages will help shield you in the case that an uninsured or underinsured motorist causes an accident.
As the name implies, underinsured and/or uninsured motorist coverage are important types of coverage to consider. These policies are meant to shield you in the event that someone hits you and their insurance is insufficient to compensate for the damage.
When an uninsured driver causes an accident that results in injuries, uninsured motorist coverage can assist cover medical costs and other associated costs, such missed income. There may be uninsured motorist coverage available in some states for auto property damage.
When the at-fault driver’s insurance policy doesn’t fully cover medical costs and related expenses or vehicle damage, underinsured motorist coverage (if available in your jurisdiction) may help make up the difference. Your underinsured motorist coverage may cover losses over and beyond the at-fault driver’s policy limitations, while their insurance covers for damages up to those limits.
Keeping in mind everything we just covered—we realise it was a lot—let’s discuss what to do in the event that an uninsured driver causes an accident.
An uninsured driver and I were involved in an accident.
No matter how minor the collision, it can be quite stressful for the motorist. Making sure you are safe is the first action we advise in any kind of mishap. If your car or cars can still be driven despite one or more flat tires, stop on the side of the road and find a safe spot.
If you are involved in an accident that renders your car unusable and you find yourself in the middle of the road, wear your seatbelt and remain inside your car.
Make an emergency service call once you are secure. A police report that has been submitted after an accident can help with insurance claims.
Next, record the incident if you can. Ascertain as much information as you can from the other participating vehicles. This information may be:
capturing images of each car from various perspectives
obtaining the details of the other driver
Telephone number
Name
Details about insurance
It’s crucial to obtain the name and contact details of the other driver even if they are not covered by insurance. Your insurance company will benefit from this while processing claims.
Your last option in the event of an uninsured driver collision is to submit a claim to your auto insurance. You can phone 855-262-1855 or simply tap a few times on our app to register a claim with Our. After reviewing your policies, your insurance provider will decide whether or not you have coverage that will pay the loss.
Appropriate savings with appropriate coverage
Although there was a lot of information there, hopefully it helped to clarify this element of auto insurance. And while it can seem like paying more for all those coverages means taking a bigger financial hit, consider the bigger picture.
Having those coverages could really save you thousands of dollars in the event of an accident involving an uninsured motorist. Considering the number of drivers without insurance on the road, the price of cars, and other economic factors, adding these coverages to your policy could seem like a wise investment.
And you know what lessens the weight of that extra dollar amount? obtaining auto insurance from Our. We are a behavior-based insurance company that uses telematics to give you monthly discounts as a reward for safe driving. How much is saved?
Savings of up to 50% are possible, and many Our users save $70 a month*.
Keep your composure in the event of a collision with an uninsured motorist, particularly if you have chosen the prudent course of action by selecting coverages designed to address such circumstances. Inhale deeply and keep in mind that we are here to assist.