What If You’re In An Accident With An Uninsured Driver?
by adminAuto accidents are one of the most unfortunate things that can happen to anyone, but the situation worsens when other people involved do not have car insurance in Langley. Auto insurance is a requirement in the city, but some drivers still speed without coverage. Knowing what to do next if you find yourself in this situation can make all the difference.
Who Pays for Damages?
Both drivers have auto insurance policies at the accident, making the claims process easier. When the other driver is uninsured, you might worry about who’s going to take care of the expenses. That’s where Langley auto insurance brokers come in handy. If you have uninsured motorists protection, it will pay for medical costs, repairs to the vehicle, and other damages. Without such coverage, you would have to pinch through or rely on the collision coverage given by your policy or file a lawsuit against the other driver.
Uninsured Motorist Protection
Uninsured motorist protection is an added coverage that keeps you safe and protects you from having to pay bills out of pocket. It typically covers medical expenses and damage to property because of an uninsured driver or one who does not have enough to cover the damage. ICBC provides basic coverage in the case of hit-and-run accidents but with private insurance from an auto insurance broker in Langley, additional protection can ensure you are fully covered.
What To Do Following the Accident
If you have just been part of a car accident involving an uninsured driver, the first thing to do is remain calm while assessing the situation. You might have to call for emergency services if there are injuries and report the matter to the police. A police report is critical when an uninsured driver is involved. Always trade personal information with the other party, regardless of if they do not have an insurance policy. Take pictures of the scene, damages incurred on both vehicles and any other relevant road conditions.
Filing A Claim with Your Insurance
The next step is to get in touch with your Langley auto insurance provider and inform them that the other driver does not have insurance and provide all necessary information including the police report. If you have uninsured motorist protection, your insurer will take you through the process and help get costs covered, whereas, if you have none, you may have to seek protection from your collision coverage or perhaps think about taking legal action to cover your expenses.
Legal Actions
You can take the uninsured at-fault driver to court by suing them for damages. However, this procedure is hard most of the time because many uninsured drivers might have little to no money to pay the damages out of pocket. The court may sometimes cause the driver to make payments over time which you may or may not receive entirely. This is why the best way to protect yourself from unexpected prices is to have comprehensive Langley auto insurance coverage.
At Prime Insurance, we understand accidents are harmful and can lead to more stress when an uninsured driver is involved. We pride ourselves on serving our Langley community with only the best auto insurance options for your needs. Our expert Langley auto insurance brokers regularly review your policies and provide guidance on coverage options to keep you prepared for every situation. Reach out to us to allow us to serve you peace of mind!