A car accident can be a stressful experience and being involved makes it more challenging. But what if you find out that the other driver is uninsured and has caused damage to your car, it can add another layer of difficulty to an already difficult situation. Understanding the steps you should take if an uninsured driver causes damage to your car is very crucial and hence kotak general insurance provides insights into how you can protect yourself and your vehicle in such a scenario.
Steps to follow if an uninsured driver causes damage to your car
Following are the steps to follow if any uninsured driver cause damage to your car:
- Ensure your safety
Check for injuries and if anyone requires medical attention, call for help immediately. Your first priority after an accident is to ensure the safety of everyone involved. If the accident is minor and everyone is safe, move your vehicles to a safe location, such as the shoulder of the road, to prevent further accidents or traffic disruptions.
- Collect information
Regardless of the other driver’s insurance status, it’s essential to gather information at the scene. Collect the following details:
- The other driver’s name, contact information and license plate number
- The make, model and color of the other vehicle
- The names and contact information of any witnesses
- Photos of the accident scene, vehicle damage and any relevant road signs or signals.
- Contact the police
Report the accident to the police and ask for an accident report. Having an official record of the incident will be an important document while claiming your insurance cover.
- Notify us
Inform kotak car insurance about the accident, provide the details you’ve collected and ask about the car insurance coverage you have under your policy. Regardless of the other driver’s check car insurance status as soon as possible. If you have uninsured motorist coverage (UM), it can help cover the costs associated with the accident when the at-fault driver is uninsured or underinsured.
- Document your damages
Keep detailed records of all expenses related to the accident, including repair estimates, medical bills and any other costs incurred as a result of the accident.
- Be cautious about settlement offers
If the at-fault driver offers to pay for your damages out of pocket, be cautious. Settling without legal advice could lead to you receiving less than you’re entitled to.
- Prevention: Carry uninsured motorist coverage
One of the best ways to protect yourself from the financial problems of an accident with an uninsured driver is to carry uninsured motorist coverage as part of your own auto insurance policy.
It’s essential to follow the right steps and take precautions to protect yourself and your property. Prioritise your safety at the scene as well as prior to any mishap with kotak car insurance if necessary. Being prepared and taking the appropriate steps can help you direct the challenging consequences of an accident and work toward a fair resolution.