Being in an auto accident can be a very scary experience. Not only will the crash damage your car, but you can also be at risk of injury! To make matters worse, the other driver may not have auto insurance. There are many reckless drivers on the roadways that simply don’t carry auto insurance.

While it is against the law in most states, not having auto insurance can put everyone at risk. Keep reading to learn what you can do if you find yourself in an accident with a driver who has no insurance.

Report The Accident

The first step that you should always take when involved in an auto accident is to call the police. This step is even more important if you have been injured. The police will not only be able to give you the medical help you need, but they will also be able to write a report.

Having a written report of the accident will help determine who was at fault. This report can be used in court to help you get the compensation you deserve.

Call Your Insurance Company

After the police have arrived on the scene, and you have been cleared medically, you need to call your insurance company. Even if the other driver does not have insurance, you can still get help.

As part of your insurance policy, you will be covered under what is known as Uninsured Motorist Coverage. While this will pay for your car to be fixed, as well as some of your medical bills, your insurance premiums will likely increase.

Keep in mind that you will have to pay your deductible before any money will be handed out by the insurance company. This may seem unfair, but it is your best course of action. Later, action can be taken by hiring a lawyer and taking the other driver to court.

Take Pictures Of The Damage

While your insurance company will take pictures of the damage, you should always take your own photos. This can help you prove your case if it goes to court. Having evidence of the accident can help a judge determine the amount of compensation that you will receive. Make sure that when you take photos, they capture clear images of the damage.

File A Lawsuit

Once your insurance company has paid for your car to be fixed, you can then seek damages from the reckless, uninsured party at fault. It is a wise move to hire an attorney that specializes in automobile accidents. He or she will have expert knowledge on the subject, and will be able to get you the compensation you deserve.

This compensation can include auto repair bills, medical bills, lost wages, pain and suffering, and more. Even if the other driver has no insurance, you can still seek compensation.

Your attorney may be able to successfully file a lien on the property owned by the uninsured driver. They may also be able to get the driver to pay what he or she owes to avoid any further legal action.