Any type of automobile collision is not only extremely scary, but also stressful due to dealing with insurance companies.  The only thing worse than dealing with another driver’s insurance company is if the driver at fault does not have insurance at all.  If this is the case, follow these steps in order to make sure you are covered and obtain all of the correct information needed for an uninsured motorist case.

Call The Police

When you are involved in a collision of any kind, you should always call the police before anything else.  This is crucial for not only making sure the victims get immediate attention for any injuries, but also to have an accurate documentation every step of the way.  Do not move any of the vehicles involved in the collision in order for the police to properly assess the scene upon arrival.  The accuracy of this report is very important to the insurance companies involved to ensure that each party is compensated correctly.

Obtain Contact Info From The Other Driver(s)

If the other driver does not have insurance, it is crucial to get all of their contact information in order for your insurance company to release uninsured motorist compensation to you.  If you do not have uninsured motorist coverage under your insurance plan, this information will help your attorney in the action that you need to go after the other party for compensation of damages.

Appropriate contact information includes:

  • Names
  • Phone numbers
  • Email addresses

Contact Your Insurance Company

After you have the police report and the contact information of the parties involved, you should immediately contact your insurance company.  If you are not at fault, they will let you know if you have uninsured motorist coverage and if not, what steps you should take from this point on in collecting compensation for damages.

Contact An Attorney

Uninsured and underinsured motorist incidents are not as easy to resolve as one might think.  Contact an attorney that specializes in these types of cases specifically to see what your options are and how they can help you get the compensation you need.  Dealing with insurance companies can be exceptionally exhausting and having a lawyer on your side can ensure that you are protected.