Accidents Without Insurance: What To Do

Posted on by Defensive Driving | in Defensive Driving Tips

uninsured-accident

Accidents are never fun, but they can be even more bothersome when you get in an accident with someone who is uninsured. While you can certainly do your part by having your own insurance and keeping it valid and up to date, the sad truth is that getting in an accident with an uninsured motorist is always a possibility. Thankfully, there are ways you can prepare beyond just simply taking an online driving course. We’ll help you understand what to do if you are involved in an accident without insurance, let you know what you need to do to plan for the worst, and help you avoid the common pitfalls that come along with accidents involving uninsured motorists.

 

The Best Protection

The best thing you can do to protect yourself and your property is to get uninsured or underinsured motorist (UIM) coverage well before an accident occurs. Several states even require it. You can opt for injury-related coverage or property damage coverage, or both. UIM coverage typically costs only about 10 percent more than typical car insurance coverage and you’ll be glad you have it if you do happen to get in an accident with an uninsured motorist.

 

What to do if you are involved in an accident without insurance

•Call the police immediately. While the other person involved may not want you to do so, notifying the police as soon as possible will help you protect your health and your wallet.

•If you are the victim of a hit-and-run, take a picture of the vehicle and the driver if possible and try to note the make and model of the car along with the license plate number. This will help you if you need to go through security footage with the police later.

 

What not to do if you are involved in an accident without insurance

•Don’t take cash on the spot. While it may save you the hassle of talking with the insurance company, you may find that damages or injuries cost more to fix than your initial estimations tell you.

•Don’t admit fault. If you live in a state with tort insurance laws, if you are found to be the driver at fault, you will likely be liable for damages to both vehicles. Let the insurance companies determine fault, and you’ll probably be better off.

 

Get insured and get on with life

Again, remember that the best way to avoid sticky situations is simply to get the proper insurance coverage. Even if your state doesn’t require it, you should strongly consider getting uninsured motorist coverage so you’ll have peace of mind. You never think an accident with an uninsured motorist will happen to you, but if it does, you’ll be wishing you had prepared. Get prepared and go and live life worry free.

|

Customer Reviews

Defensivedriving.com has a ShopperApproved rating of 4.7 based on 84343 ratings and reviews.

Hiram United States
Easy to use
Lena TX, United States
Everything was great
Melissa TX, United States
It has been very informative and easy to use. Love how they put facts about Texas roadways up.
Dakota
Easy to use
Annette
Easy enrollment
Spring
Fast and easy
Jose
Easy to navigate
David
Very convenient and easy to do
Catherine
Easy clear instructions
Tiffany TX, United States
Easy registration.
Harish TX, United States
Simple, easy and fast
Ericka TX, United States
Great
Akeem TX, United States
It's great!
Julie
Easy to register and a great price!
David
Easy to follow
SHAMMARA
Very easy to get everything required for ticket dismissals.
Vicky
I have done the test online before and it was quick and easy.
Isaias
Great so far
Baleigh
It is great!
Joshua
Simple, straightforward, and not difficult to understand.
James United States
Easy to register. Like two different options of course format
Toni United States
Easy to navigate/understand and quick response time
Michael TX, United States
Super easy to sign up and very informative.
Brenda United States
quick easy to navigate
HALEY United States
Fast and easy!
Marvin United States
Amazing
Darian
Very easy to navigate
Troy
Smooth
Robyn
Easy
Hector
Excellent
Anthony
Easy
Jeffrey
Getting signed up was fast and easy
See all reviews on shopperApproved.com
Why DefensiveDriving.com
  • 20 Years in Business
  • Over 2 Million Customers Served
  • Highest Possible Better Business Bureau Rating
  • Award Winning Course