What Happens If You’re Hit by an Uninsured Driver?

Being involved in an accident is stressful enough, but discovering the other driver doesn’t have insurance can make the situation even more complicated. At GA Bondon Insurance Services, we understand how confusing and overwhelming this scenario can be. Our team is here to help you understand your auto insurance options and guide you through the process if you’re ever hit by an uninsured driver.

Immediate Steps to Take After the Accident

If you’re in an accident caused by an uninsured motorist, your safety comes first. Here’s what we recommend:

• Move to a safe location and check for injuries.
• Call the police to report the accident, even if the damage seems minor.
• Gather as much information as possible, including the other driver’s contact details, vehicle information and photos of the scene.
• Collect statements and contact information from any witnesses.
• Notify your insurance provider as soon as possible.

Having a police report and thorough documentation can be crucial when filing an insurance claim.

Insurance Implications and Your Coverage Options

When the at-fault driver lacks insurance, you may worry about how your damages will be covered. If you have uninsured motorist coverage as part of your auto insurance policy, it can help pay for medical expenses, lost wages and vehicle repairs resulting from the accident.

Uninsured motorist coverage is designed to help cover your losses when the at-fault driver cannot. Some policies also include underinsured motorist coverage, which helps if the at-fault driver’s insurance isn’t enough to cover your losses.

How Our Team Can Help

At GA Bondon Insurance Services, we help our clients review their auto insurance policies so they have the right coverage in place. We can explain the benefits of uninsured motorist coverage and help you understand how to file a claim if you’re ever hit by an uninsured driver.

If you have questions about your coverage or want to review your policy, reach out to our team today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.