I Just Got Hit By an Uninsured Motorist
Uninsured motorist coverage becomes an important factor if you’ve been in a car wreck with another motorist that doesn’t have car insurance. More often than not, car insurance policies provide for at least a minimal amount of uninsured motorist coverage.
So how do you make a claim? If you’ve been in an auto accident with an uninsured motorist, you begin the process by opening up a claim under your own car insurance policy for uninsured motorist benefits. You’ll use your own car insurance policy because uninsured drivers usually do not have sufficient assets to make a personal claim against them a good strategy.
Uninsured motorist coverage becomes an important factor if you’ve been in a car wreck with another motorist that doesn’t have car insurance.
How do you tell if the other driver has car insurance? If the police are called to the scene they will investigate whether any of the motorists involved in the car, truck or motorcycle accident have insurance and whether anyone was hurt.123The police will ask for the insurance information, driver’s licence and vehicle registration for each individual involved in the collision.
If you find yourself in a situation where the police aren’t at the scene of the accident and the at-fault driver can’t or won’t produce their insurance information, just try and get as much information about the driver as you can (for example, their license plate and/or driver’s license number). Your insurance company may have access to a large database that can search for the at-fault motorist’s insurance coverage based on the information you obtain at the scene of the car wreck.1-800