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United Insurance Services, Inc. Blog

What to do when involved in accident with under-insured motorist

While auto insurance remains a legal requirement, there are still drivers who drive across Utah without insurance. Both uninsured and underinsured motorists make you vulnerable on the roads, especially when they are at fault in an accident. So, what do you do in case you are involved in an accident where the uninsured driver is at fault? United Insurance Services, Inc. in Bluffdale, UT is ready to discuss what you should do.

Call the police

Every time you are involved in a car accident, whether the other party is insured or not, it is always critical to notify the police immediately. If the driver you are dealing with is uninsured or underinsured, it is even more important to call the police. The police will help you get your damages, injuries, and losses covered and help you make a claim. It is vital that you make no negotiations until the police arrive as the other driver may try to convince you not to involve the police.

Accept no cash

Most underinsured and uninsured drivers tend to be cunning when they are at fault. They are aware that they may face hefty fines and penalties for not carrying insurance. For this reason, they may try to silence you with money. Remember, unless you are a vehicle engineer, you may not know the depth of the damage or injury. That is why it is essential to resist the money.

Gather information

Even if the other party doesn’t have insurance, it is still prudent to take their personal details like name, phone number, address, and vehicle details. If they do not provide it, you can rely on witnesses who can help you get the information. Take note of the time, the vehicle involved, and the location the accident happened. You will need this in the claiming process.

Finally, take pictures of the damages or injuries if you or anyone in the car was injured.  Make sure to stay safe as you wait for the police to arrive. If you still have questions, United Insurance Services, Inc. in Bluffdale, UT is here for you. Contact us today!