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A few tips for managing an accident with an uninsured driver

Few things can ruin your day faster than an automobile accident. If you swap paint with an uninsured motorist, though, your bad day can turn into a nightmare. While driving carefully is always an effective strategy for staying safe on roadways in Maryland, Virginia and Washington DC, you may not be able to avoid an accident with an uninsured driver. 

There are more uninsured drivers on metro-area roadways than you may think. In fact, with more than 15 percent of drivers lacking insurance coverage, the District ranks 10th in the country for the number of uninsured motorists. Here are a few tips for managing an accident with an uninsured driver. 

Alert the authorities 

Uninsured motorists often want to resolve car accidents without contacting the police. After all, driving without automotive coverage is against the law in the District of Columbia, Maryland and Virginia. Helping an uninsured motorist avoid a citation is not up to you, however. On the contrary, following any automobile accident, you should alert the authorities immediately. 

Be careful with settlement offers 

An uninsured motorist may offer you a cash payment at the accident scene. You can treat this as a settlement offer. Because you simply cannot measure your injuries or property damage during a stressful car collision, you should reject cash payments. This strategy puts you in a better position to negotiate compensation after you have all the facts. 

Gather some information 

Usually during a car collision, drivers exchange insurance information. While you cannot obtain coverage details for an uninsured motorist, you should request some important information from the other driver. Specifically, write down the driver’s name, telephone number and address. If you can, snap a photograph of the driver’s ID. 

Document the accident scene 

While police officers will likely create a formal record of the accident, the official report may not be enough. Try to document the accident scene yourself. Take photographs of roadways, signage and vehicles. Also, ask witnesses for their contact details. Remember, though, accident scenes can be dangerous places. When you are documenting the accident, always think about your personal safety. 

While an accident with an uninsured driver can be a stressful event, it does not have to be the end of the world for you. By acting smartly, you increase your chances of receiving compensation for your injuries and property damage.

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