What to do if hit by an Uninsured Motorist?

Getting hit by an uninsured motorist can be a nightmare if you're not covered yourself. There are basic steps to take in any type of accident in which you're involved. If the person that hit you doesn't have insurance at the time of the accident, then you may have to take further steps to try to receive compensation.

Things You'll Need

• Auto insurance policy

Instructions

1. Call for emergency assistance immediately after the accident. Remain at the accident scene and wait for help to arrive.

2. Write down the license number and a description of the vehicle that hit you as well as a description of the driver. Get the names, addresses and phone numbers of any witnesses. Take pictures if you can. Why? It's common for drivers who have no auto insurance to leave the scene of an accident. This way, you'll have information that can help identify them if they do flee.

3. Make sure you get the name, address and phone number of the uninsured motorist after you have talked to the police and the officer has made out the accident report.

4. Call your insurance company to report the accident and file a claim. If you carry uninsured motorist insurance, most, if not all of your losses and expenses should be covered.

5. Hire an attorney if you're not satisfied with the way your insurance company is handling your claim (that is, you believe you're entitled to more money). The attorney can file a lawsuit against the uninsured motorist on your behalf. However, keep in mind that lack of money is the most common reason why some motorists don't carry insurance. So, unless they have assets, you may not be able to collect on your claim by filing.

Tips & Warnings

• According to the Insurance Research Council, there's a one in seven chance that the driver who is at fault of an auto will be uninsured. That's why having uninsured motorist insurance yourself is a good idea. State laws concerning carrying uninsured auto insurance vary. Not all states require this coverage.

• Never talk to the other driver about who was at fault. Don't give details about your insurance coverage or agree to a monetary settlement. Your insurance company or attorney will handle this.