Getting into a car accident is never a good thing. When the accident is caused by a driver who does not have insurance, things go from bad to worse. You are stuck footing the bill, and the chances are pretty good you will never recoup the loss from the responsible party or at least will have a very hard time doing it.
If you find yourself in this situation, there are some things you can do. There is also one very smart move you can make before an auto accident ever occurs to protect yourself.
Get the other person’s information
Someone who does not have insurance and causes an accident may become quite difficult to deal with afterwards. This is because the person knows he or she is in big trouble. Not only will you be coming after him or her to pay for damages caused by the accident but law enforcement will, too. It is illegal to drive without proper insurance coverage in Nevada.
According to Credit.com, when you run into an accident situation where the other person refuses to give you his or her information, you should take things into your own hands. Get a picture of the car’s license plate, along with the scene and pictures of your own vehicle. Try to get a name, even if it is only a first name. Write down details about the car and the license number in case something happens to the picture you take. The best case scenario is the person will own up to things and give you his or her name, address and other contact information.
Always call law enforcement
In any case, you should immediately call law enforcement as soon as it is safe to do so. It is not uncommon for an uninsured driver to try to leave the scene, so get law enforcement enroute as soon as possible. They will handle all the legal aspects of the accident, including investigating who was at fault. They will also gather all the information needed for you to give to your insurance company.
Make sure your have uninsured insurance coverage
You should spend the extra money on your insurance policy to add coverage for uninsured drivers. In a case like this, you could make a claim with your insurance company and it would pay for your damages and handle recovering the money from the at-fault party. In most cases, making a claim under your uninsured drivers coverage will not make your rates go up because you were not at fault, so use this coverage if you have it.
Getting into an accident with an uninsured driver can cause many headaches. It is best to be prepared should it ever happen to you.