If you get hit by someone without car insurance, there are a few actions that you should take right away.

  1. First, and foremost, you should report the collision to your own insurance company. This allows you to see how your coverage might apply. The sooner you report, the better chances you have.
  2. Next, you can consider the possibility of filing a lawsuit. Although there are several no-fault car insurance states (in which suing might not be an option), you may have some success with this.
  3. Finally, you’ll want to consider your options for preventing such confusion in the future.

So that’s the gist of it; however, there’s clearly much more to cover. That’s why our Andy Mohr Collision team created this guide to what you should do if you’re in an accident with an uninsured driver. Should this happen around Plainfield, Indianapolis, Fishers, or Bloomington, we hope you’ll contact us ASAP.

  1. First, Report the Car Crash to Your Own Insurance Company…Right Now

This is the first step that you should always take after an accident, regardless of whether the other party has insurance or not. Here’s a fair warning – never take cash from them at the scene and then report it to you insurance company anyways. This is considered insurance fraud, and they will prosecute you.

  1. Next, Consider the Possibility of Filing a  Legal Suit…Indiana Allows This

Certain states have no-fault laws on this books – this means that each driver is responsible for their own automotive and medical costs after an accident. The good news? Indiana is not one of these few states.

So, if you feel like you’ve been unduly affected by an uninsured motorist, don’t hesitate to call a lawyer.

  1. Finally, Consider Your Options for Preventing Such Confusion in the Future

There are a few different routes that you could go down here. You could add some collision coverage to your existing insurance plan – this would ensure that they’d pay any automotive repair damages that are incurred by an uninsured driver. It’s important to remember that it often won’t cover medical costs.

These sorts of coverages are required in certain states, while they’re not even available in others. Make sure that you are well-educated about the rules and regulations that are in place wherever you live.

Contact us at the Andy Mohr Collision Center for your appointment!

At the end of the day, you’re going to need repairs whoever’s paying for them. That’s where the team at out Andy Mohr Collision Center comes into play. We’ll get your car looking and running as close to new as possible. There are 3 ways to schedule an appointment now: call us, fill out a form, or stop in.

Our expert technicians have plenty of experience helping the drivers in Bloomington, Fishers, Indy, and Plainfield to recover from car accidents. What are you waiting for? Get in touch with us today!

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