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What to do if hit by an uninsured driver

In 2014, an estimated 9-11% of Wisconsin’s population consisted of uninsured drivers, according to the Insurance Research Council. This is a fairly high percentage, and it means that there is a fairly good chance that you could be dealing with an insured driver if you get into a car accident in Wisconsin. What should you do if this happens?

Get as much information as you can. Even if the other driver doesn’t have insurance, try to get their name and contact info. Many uninsured drivers will not want to give you their information or will drive away without talking to you. Try to at least write down their license plate number so you have some way to track who was in the accident. Then take photos and gather information that could help you prove who was at fault in the accident.

Call the police. Even if the other driver flees the scene or doesn’t want to get the police involved, this is a crucial step. You will want an official report of the crash on record. This will make it easier to prove fault and receive compensation for the accident.

Finally, consult an experienced attorney. Do NOT contact your own insurance company. It may be tempting to reach out to your own insurance provider about possible coverage if the other driver was not insured, but this is not wise. Insurance companies make money by giving you as little compensation as they can. They may make you a deal after an accident, but it is almost never the amount you deserve for your damages. In an accident with an uninsured driver, an attorney can review your case and help you receive fair compensation for all damages and injuries.


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