It can be very frustrating to be involved in an accident involving a car that is not insured. Many times, the police won’t even arrive on the scene. It is amazing to me that many “offenders” are so familiar with the system that they can convince anyone not to call the police, and get away with not paying for your damages.
They know that it is very unlikely that offenders will ever get a ticket if they can get you not to call. Their licenses won’t be at risk if they don’t get a ticket (for those who actually care). They
They will attempt to convince you to negotiate the damage and even tell you to take your vehicle to get an estimate. They will often claim that it is best to keep the insurance companies out from the transaction. They will be able to present themselves as responsible people once they have admitted to their fault.
“Make it right.” They will convince you that calling police will only result is a citation, and that they would rather use that money for your damages.
You can still call the police three days after an accident. If the driver who hit you is not insured, many officers will issue a ticket. Many uninsured drivers present fake or inactive insurance cards on the scene. They often fool not only you, but also the police. It is a good idea, if possible, to contact the insurance claim department to verify that the driver who hit you has a policy. The policy should cover your accident. You can confirm that the policy covers your accident if you call the insurance claim department.
Notify the police immediately if you have any concerns.
The offenders will ask you to move your car from the road. They will either tell you you are blocking traffic or it is safer. They are well aware that moving the vehicle can often cause serious damage.
If the police show up, they may simply deny your version of events. The police can’t just charge one driver if they don’t have any evidence. Witnesses will be ticketed.
Other uninsured drivers won’t stop. They will run over you and throw you into the middle of the road. You should call the police in either case. If the police arrive at the accident scene, they will
Document the injuries, damages, witnesses and any evidence that may have been involved in the accident. They will usually ask for your insurance information, and determine if you were in an uninsured accident. If they don’t go to the scene you will need to file a “walk in” accident report. Learn how to fill, read and interpret a police investigation. To find coverage under your policy’s uninsured bodily injury or uninsured damage coverages, you will need a police report.
You have an affirmative obligation to notify the insurance company about any claim. You could face serious consequences if you fail to report the claim. Uninsured drivers are well-versed in the system, and many will claim that they were injured by you. Even if the case is not frivolous, an insurance company will still defend you if you inform them as required. You will need to hire an attorney if you fail to report the claim.