Car accidents are stressful, but the situation becomes even more challenging when the other driver doesn’t have insurance. If this happens in Texas, Arkansas, or Oklahoma, taking the right steps can help protect your rights and financial well-being.
Call the police and gather information
Always call 911 after a collision, especially if the other driver lacks insurance. A police report provides an official record of the crash, which can help when filing an insurance claim. Get the other driver’s name, contact information, and vehicle details. If there are witnesses, ask for their contact information as well.
Document the accident scene
Take photos of the vehicles, license plates, and any visible damage. Capture road conditions, traffic signs, and any other factors that may have contributed to the crash. If you have injuries, photograph them as well. This evidence can support your case when dealing with insurance companies.
Seek medical attention
Even if injuries seem minor, get checked by a doctor as soon as possible. Some injuries, like whiplash or internal damage, may not show symptoms right away. Medical records provide evidence that links the injuries to the accident.
Check your insurance coverage
Many drivers carry uninsured motorist (UM) coverage, which can help pay for medical bills and vehicle repairs when the at-fault driver has no insurance. Review your policy or contact your insurer to see what coverage applies to your situation. If you don’t have UM coverage, you may still have options through personal injury protection (PIP) or collision coverage.
Consider legal options
Depending on the circumstances, a lawsuit against the uninsured driver may be an option. However, many uninsured drivers lack the assets to cover damages. An attorney can help explore alternative ways to recover compensation.
Protecting yourself moving forward
Carrying uninsured motorist coverage can provide peace of mind in case of future accidents. Reviewing your insurance policy and understanding state laws can help ensure financial protection if an uninsured driver causes harm.