What Happens After an Encounter With an Uninsured Motorist? 

Accidents are stressful enough, but discovering the other driver doesn’t have insurance can make the situation even more overwhelming. It’s important to know how uninsured motorist coverage can protect you and what steps to take if you find yourself in this scenario.

How Uninsured Motorist Coverage Protects You

Uninsured motorist coverage can help financially when you’re involved in an accident caused by a driver who doesn’t have liability insurance or in cases of hit-and-run incidents. This coverage can pay for your medical expenses, lost wages and potentially repairs to your vehicle, costs you might otherwise have to cover out of pocket. Adding uninsured motorist coverage to your auto policy is a smart way to safeguard yourself against unexpected expenses.

What to Do After an Accident With an Uninsured Driver

If you’re in an accident and the other driver is uninsured, here’s what we recommend:

• Stay calm and safe. Move to a safe location and check for injuries.
• Call the police. Always file a police report, as this documentation can be crucial for your claim.
• Gather information. Collect details about the other driver, their vehicle and any witnesses.
• Take photos. Document the scene, vehicle damage and any visible injuries.
• Notify your insurance company. Contact us as soon as possible to start the claims process.

Understanding the Claims Process

Our team will guide you through each step when you file a claim. We’ll review the police report, assess the damage and work with you to determine what your policy covers. In Texas, uninsured motorist claims can help pay for both bodily injury and property damage, depending on your coverage selections.

Learn More

No one expects to be hit by an uninsured driver, but having the right coverage means you won’t be left facing unexpected bills alone. If you have questions about uninsured motorist coverage or want to review your auto insurance policy, contact us 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.