1. Call the Police:
- Contact the local police department as soon as possible to file an accident report. The police report will serve as official documentation of the accident and will help you when filing your insurance claim.
2. Document the scene:
- Take photos of the accident scene, including the damage to your vehicle and any visible injuries.
- If possible, take photos of the other driver's vehicle, license plate, and any relevant details.
3. Gather Information:
- Exchange contact information with the other driver, including names, addresses, phone numbers, and insurance information (if available).
4. Seek medical attention:
- If you sustained any injuries, seek immediate medical attention. Keep all medical records and bills related to the accident.
5. Contact your insurance company:
- Even if the other driver doesn't have insurance, you might have coverage under your own policy.
- Contact your insurance company and provide them with all the details of the accident. They will guide you through the claims process.
6. Check for uninsured/underinsured motorist coverage:
- Many insurance policies include uninsured/underinsured motorist coverage (UM/UIM). This coverage can provide compensation if you're involved in an accident with an uninsured or underinsured driver. Check your policy to see if you have this coverage.
7. File a complaint with the state insurance department:
- If the at-fault driver doesn't have insurance and refuses to cooperate, you can file a complaint with your state's insurance department. They can take action against the driver and help you recover compensation.
8. Consult a legal professional:
- If the damages are significant or the other driver is evading responsibility, consider seeking legal advice. An experienced attorney can represent your interests and help you pursue compensation for your losses.
