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What to Do If an Uninsured Driver Hits You

What to Do If an Uninsured Driver Hits You


When another driver hits your vehicle and causes physical injuries, emotional trauma, and property damage, you deserve compensation for your pain, suffering, and debt. However, when the at-fault driver doesn’t have car insurance to cover those costs, you’ll have to take a different approach to earn what you’re entitled to.

Handle the Immediate Details

Just after a car accident, there’s a small window of time in which you can gather the most essential information. Unless you require immediate medical attention, here’s what you can do to take swift action for your case.

  • Call the authorities

    The first thing you need to do is call the police or ensure that a witness to the accident places a call on your behalf. A police report is an essential piece of information for your case, because it can be used to show undeniable fault.

  • Exchange details

    Even if the other driver can’t exchange insurance information, you should still record their name, number, and vehicle information.

  • Gather information

    Take photos, gather the contact information of witnesses, and record as much information about the scene of the accident as possible.

  • Wait to file a claim

    You’ll need to file a claim with your insurance provider, but you don’t have to do this immediately. Rather than accidentally giving an incomplete statement or unknowingly misrepresenting yourself, call a professional attorney to speak on your behalf.

If you denied medical treatment at the scene of the accident, you should still consult your primary care physician as soon as possible to treat any potential injuries. By waiting to seek treatment, you can tarnish the connection between the accident and your injuries.

Lessen Your Complications

Each accident is different and insurance coverage alone is complicated enough without having to deal with situational variables such as insured/uninsured drivers, medical payments/medical subrogation (paying insurance companies back), and no-fault/at-fault state laws that can further complicate your claim. All these variables make every claim unique and require expert handling.

Seek Professional Legal Help Immediately

Regardless of where you live and the level of coverage you have, seeking legal help to protect your rights and professionally substantiate your claim is the right choice. If you want to fight for the return you deserve, partner with a legal team that knows how to navigate the at-fault Missouri law. At Lanzotti & Rau LLC, our expert legal team will assist your case on a contingent fee basis to obtain the highest level of compensation for the damage you’ve incurred. To schedule a consultation with one of our vehicle accident attorneyscontact our offices at 573-335-9300.