When people are involved in a car accident in Pennsylvania, one of the first things they should do is exchange insurance information with each other. This seemingly minute action is imperative to both parties’ ability to receive assistance in paying for the damages to their own vehicles and any others that were involved. However, what happens if an at-fault driver does not have insurance? In these situations, other drivers that are involved should be cautious in how they proceed so they can still get assistance.
American Family Mutual Insurance Company says that there is some degree of automobile insurance that is required in every state although it varies across the nation. Surprisingly, despite the law, 1 out of 8 people do not have any auto insurance. If people are involved in an accident with another motorist who is uninsured, some of the things they should do include the following:
- They should refrain from accepting any money at the scene of the accident.
- They should still ask for the other driver’s contact information.
- They should snap a few pictures of the accident scene and any damage.
- They should contact the authorities and stay on the scene until their arrival.
One way that people can better protect themselves from the extra stress of being having to deal with an uninsured motorist is to look into their own insurance policy for additional protections. Esurance suggests that people who have uninsured motorist protection in their policy will often have their car repairs and other financial obligations stemming from their accident, covered at least partially by their insurance company.