1. Check for injuries: Ensure you and any other involved parties are safe and free from injuries. If someone is injured, seek medical attention.
2. Call the police: Report the accident to the police. They will investigate and determine fault, as well as provide an accident report which will be essential for insurance and legal purposes.
3. Exchange information: Exchange contact and insurance information with the other driver involved in the accident.
4. Document the scene: Take photos or record videos of the accident scene, including the damage to both vehicles and any visible injuries.
5. Contact your insurance company:Even though you are uninsured your insurance agent may be able to guide on the best way forward.
To avoid being suspended for non-insurance:
1. Get a SR-22 form: This is a certificate that proves you have insurance and are compliant with the state's financial responsibility laws. You can obtain an SR-22 form from your insurance company.
2. File an SR-22 form with the DMV: Once you have obtained the SR-22 form, you need to file it with your state's Department of Motor Vehicles (DMV) or Motor Vehicle Administration (MVA).
3. Maintain insurance: Once you file the SR-22 form, you must maintain insurance continuously for the amount of time required by your state. Typically, this is three years.
Important note: State laws regarding uninsured driving and accident reporting vary. So it's important to check the specific laws and procedures for your state. Failing to report an accident when legally required can result in penalties, including fines, license suspension, and even jail time in certain jurisdictions.
