Dealing with the aftermath of a motor vehicle accident is stressful on its own, but it’s even harder if the other driver is uninsured or underinsured. It’s important to know what steps you need to take after this kind of collision to protect your safety and your future.
Ensure your safety
If you’re involved in a motor vehicle accident and discover that the other driver is uninsured or underinsured, your first steps are critical. Ensure safety first by checking for injuries and moving to a safe location.
Collect and document evidence
Once you have ensured everyone’s safety, contact the police to file a report. While at the scene, gather as much evidence as possible. Take photos of the vehicles, the accident site, and any visible injuries. If there are any witnesses, you may want to get their contact information. This documentation will be helpful for your insurance claim and any legal actions.
Contact your insurance company
California requires drivers to have uninsured motorist (UM) and underinsured motorist (UIM) coverage as part of their auto insurance unless declined in writing. This coverage can compensate you for injuries and damages if the at-fault driver lacks adequate insurance. It’s important to understand the limits of your UM/UIM coverage, as it will dictate the compensation available to you.
Protect your future
Recovering from a hit-and-run can be challenging, both financially and physically. However, you can protect your future by taking these essential steps immediately after the accident and consulting with a lawyer if necessary.