You’re driving around town and you stop at an intersection. The next thing you know, you’re rear ended by another driver. You pull over, look at your car, and talk to the other driver only to find that the other driver isn’t insured. You may be asking yourself how you’ll take care of this accident, but there are many ways to deal with an uninsured motorist collision.
To help drivers in the Plainfield, Indianapolis, Fishers, and Bloomington areas be prepared for anything, Andy Mohr Collision Center is here with this guide.
What Is an Uninsured Motorist?
If you’re like many drivers, you probably have vehicle insurance. In most cases, vehicle insurance is required by law, so you probably signed up for insurance when you bought your car. In some cases, though, there are drivers who don’t have insurance on their vehicle, and this can lead to some questions as to how insurance is handled.
What to Do in an Uninsured Motorist Accident
The key thing to remember is that you should treat the accident like any other. You want to document everything, take pictures, and get the information of the other driver, including their name and phone number. It’s also smart to call the police as well, so you can get a comprehensive police report of the incident.
What you shouldn’t do if an uninsured motorist is involved in a collision with you is take any money from them. It’s not uncommon for uninsured drivers to try to pay for repairs themselves when they’re at fault. As you don’t know how much your repairs will come to yet, and this amount may not be enough, it’s better to work with your insurance company.
How Can Your Insurance Company Help?
It’s a regrettable fact that there are many drivers on the road who simply don’t have car insurance for their vehicle. Regardless, many insurance companies are prepared for this and offer uninsured motorist coverage options.
This coverage add-on provides you with coverage when you are involved in an accident where an uninsured motorist is at fault. With uninsured motorist coverage, you can receive more financial protection in the event of an accident with an uninsured driver.
Filling a claim with your insurance company after an accident of this type should be done like any ordinary claim as well. You’ll want to provide any documentation you have, and the contact information of the other driver is still very helpful here. It’s also smart to connect your insurance company with the police department that got the report on your accident as well.
Schedule Service at Our Collision Center
Being in an accident with an uninsured driver isn’t always easy, but with some help from your insurance company, you can take care of everything rather smoothly. To make sure Plainfield, Indianapolis, Fishers, and Bloomington drivers can get their car back in ideal condition, Andy Mohr Collision Center is happy to help.
Are you ready to get back on the road after an accident? Schedule a service appointment with us today!