What to do if You’re in an Accident with an Uninsured Driver | Attorneys for Freedom Law Firm

What to Do if You’re in an Accident With an Uninsured Driver

Jody L. Broaddus

Some drivers don’t comply with Arizona law that requires drivers to maintain a minimum amount of liability insurance coverage. This may place you at risk if an uninsured driver causes an accident that results in injuries or damages to you or your passengers. Here are some tips to protect yourself.

Insure yourself – You can’t rely on others to make sure that you will be taken care of after an accident. Make sure you have uninsured (“UM”) and underinsured “UIM”) motorist coverage and collision coverage through your own insurance carrier. UM, and UIM coverage may provide coverage if an uninsured doesn’t have insurance or doesn’t have enough insurance to compensate you or your passengers for injuries sustained in an accident. Collision coverage can help pay for repairs to or replacement of your vehicle if you are struck by an uninsured driver. If you owe money on your vehicle, you may also want to consider gap coverage, as the value of your vehicle may be less than the amount owed to the finance company.

Call the police – Law enforcement can make a report to document information about the accident and the persons involved. This may help in processing any claim you may have, especially if the uninsured driver later tries to deny liability or avoid responsibility.

Exchange information – If a driver does not have insurance, you want to ensure that you have the other driver’s name, address, and phone number, as well as the make and model of the driver’s vehicle and the license plate number. You should also notate the date, time, and location of the accident. This may avoid a situation where the driver later claims he or she was not involved in the accident. You should also get contact information from any witnesses, as they may be helpful if liability is contested.

Do not accept money or a future promise to pay money – Following an accident, injuries and damages may not immediately be known, as some injuries can manifest over time following an accident. You do not want to limit yourself to a quick payment or settlement that could be deficient or insufficient to compensate you for your losses.

Take pictures – You should consider taking pictures of your vehicle and the other driver’s vehicle to memorialize any damage and the position of the vehicles following the accident. You should also take a picture of the other driver’s license plate. This will help establish property damages and may also assist an expert in reconstructing the accident.

zahrah A.
zahrah A.
1718060716
Lauren Snyder was great during the process of my whole case!
Wade Z.
Wade Z.
1718057691
Attorneys, Brittney, Emma and Vicky took good care of me and were very professional. They were able... to get the case against me dismissed and I appreciate their help. Good job attorneys!read more
wayne
wayne
1717816789
I just left USCCA and signed up with AOR today after much research, and watching a gazillion... youtube videos from all of the various providers of CCW protection. I believe that by becoming a client of an actual law firm, I am on substantially more solid ground regarding the quality of legal assistance I will receive should I ever be involved in a self defense incident.From the first exploratory phone call that I made to AOR, to my signing on with them, all of the staff I spoke with were extremely professional, courteous, knowledgeable, and informative. They spent time answering any and all questions that I had, without any sense that they were trying to rush through the conversation. Additionally, none of the staff attempted to apply any sales pressure to join AOR as if they were used car salesmen, they simply answered questions and provided information. That was greatly appreciated.I feel much more confident in my potential legal position following a self defense incident knowing that events that would end coverage under other programs, will have no affect on my legal protection with AOR.read more
John G.
John G.
1717617042
Representative James was very accommodating and patient to help me with the enrollment process. It... is a pleasure to work with attorneys for freedom Law firm. If self-protection issues arise, I am confident I am with the right firmread more
Justin C.
Justin C.
1717612528
Attorneys for Freedom were fantastic to work with through an extremely stressful situation. They... answered all of my questions, were extremely fast at responding to me and handled everything in a very professional manner. Vicki and Emma were always on top of things, kept me in the loop and really made me feel a lot more comfortable with the process. Because of their service I signed up for the Attorneys on Retainer program.read more
js_loader