Obtaining Compensation From an Uninsured Motorist
Generally speaking, men are charged more for car insurance than women because they are statistically more likely to cause accidents. However, this doesn't matter if a motorist chooses to avoid buying insurance altogether. Of course, this can have a significant impact on your life if that person's vehicle collides with yours one day.Stop and Collect Yourself
The first thing that you want to do after an accident of any kind is to stop at the scene, collect your thoughts and render aid if possible. While waiting for police or emergency or medical personnel to arrive, you are encouraged to take pictures, gather video footage or take other steps to obtain evidence. This evidence will be included in the insurance claim that you should file in the next few hours or days.Filing Your Insurance Claim
If the driver of the vehicle that struck yours doesn't have insurance, you will need to file an uninsured motorist insurance (UMI). This is an optional addition to your basic auto insurance coverage, so you'll need to review your policy first to ensure that you have it. You may also need to review your policy to determine your deductible as well as your coverage limits. The insurance claim will include the pictures, videos and other information that you gathered. It should also include contact and other information for the other driver as well as a copy of the police incident report generated. This information will ideally serve as proof that the other motorist was at fault for the wreck and that you're entitled to compensation.![](https://lgmdeklaw.com/wp-content/uploads/2024/06/pexels-aleksandr-neplokhov-486399-1230677-300x199.jpg)
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