What to Do in an Accident with an Uninsured Driver

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There are more than 276 million registered vehicles and 225 million licensed drivers in the US.

It would be nice to assume that every driver and every vehicle is insured—yet approximately 13 percent are not.

So, what does that mean for you if you’re in an accident with an uninsured motorist?

If you have uninsured motorist coverage (UM), you are in a better position to protect yourself.

Currently 19 states and the District of Columbia require some level of uninsured motorist and/or underinsured motorist coverage.

New York state requires such coverage, which includes $25,000 of bodily damage to one person, $50,000 for bodily injury to all persons, and $10,000 for property damage in any one accident.

Also required is mandatory “no fault” coverage of $50,000.

Do’s and Don’ts After a Yonkers Car Accident

There are several do’s (and don’ts) you should follow in the event of an accident with an uninsured driver:

      • Do call the police: While you should always call the police anytime an accident involves an injury or serious damage to vehicles or property, it is especially important to call law enforcement when the other driver is uninsured. A police report will be critical in helping you file your claim.
      • Don’t accept money: An uninsured driver who has been involved in an accident knows that they are going to face fines and legal issues. They may offer you money to avoid any such entanglements. It may be tempting, but don’t accept any money. You don’t know what your medical bills or auto repair costs may be down the line and you could wind up on the short end.
      • Do exchange information: Just as in any other car accident, you should exchange information with the other driver, including drivers’ license number and expiration date, and their contact information. If there are witnesses, get their contact information as well.
      • Do get all the details: In addition to information about the driver, get details about their vehicle, including make and model and license plate number. What is the location of the accident? What time did it happen? What is the name and number of the police officer on the scene? Any information you have can help when it comes time to file your claim.
      • Do take pictures: Nearly all of us have a smart phone with a camera. Take as many pictures as possible, making sure that you’re safely out of the way of traffic or other potential hazards. Include damage to your car, all other vehicles involved, license plates, road signs and any other pertinent items.

Reach out for Knowledgeable Guidance From a New York Car Accident Attorney

The Yonkers car accident attorneys at Sayegh & Sayegh help our clients in Westchester, Rockland, Bronx, Dutchess, Putnam, Orange and Ulster counties when they are injured through the negligent or reckless actions of another driver.

Contact us today at (914) 968-5800.