Whether it be here in Frederick, MD or somewhere across the United States, uninsured motorists pose an unfortunate risk to drivers on the road. If you are involved in a car accident involving an uninsured motorist, here are some tips to help deal with that situation.
Know The Risks.
Three our of every 20 drivers you meet on the road are uninsured. This means that if you have an accident, there is a 15% chance that the other driver is uninsured.
Buy Uninsured Motorist Coverage
The easiest solution is to supplement your insurance plan with extra coverage against uninsured drivers. If you do beat the odds and get into a crash with an uninsured driver, this coverage will pay for your damages and medical expenses.
Getting into a traffic accident can be scary and disorienting, but if you are able, it is essential that you document every detail you can about the crash. You should always write down the make and model of the offending vehicle, as well as its license plate number. Taking photos is the best course of action. Also, try to get as much personal info as you can about the other driver.
Always Call The Police
Injuries (minor or even major) and other important details can sometimes be completely overlooked in the adrenaline-filled moments after an accident. That’s why it is always necessary to call the police, no matter the circumstances. Never sign anything or agree to anything at the scene. Always call the police.
Don’t Be The Bad Guy
If the other driver has insurance, it may not be enough to pay for all the harms and losses. That is why it is recommended that everyone also have underinsured coverage.