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If you’re involved in an accident with an uninsured or underinsured driver, follow these steps to protect yourself and navigate the situation effectively:

Immediate steps to take

  • Ensure safety – Check for injuries and move to a safe location if possible. Call emergency services if needed.
  • Document details – Gather information from the other driver, including their name, contact information, and license plate number. If there are witnesses, obtain their contact information as well.

Report the accident

  • Notify the police – Contact the police and report the accident. Provide them with accurate details and cooperate fully.
  • Inform your insurance company –  Report the accident to your insurance company promptly. Provide them with the necessary information and details about the uninsured or underinsured driver.

Gathering evidence

  • Document the scene – Take photos or videos of the accident scene, the vehicles involved, and any visible damages. This evidence can support your insurance claim.
  • Record the incident – Write down the details of the accident, including the date, time, location, weather conditions, and a description of what happened. This will help in accurately recounting the events later.

Seeking legal advice

Consider consulting a personal injury attorney experienced in uninsured or underinsured motorist cases. They can provide guidance on your legal rights and help protect your interests.

Filing an insurance claim

Work with your insurance company to file a claim for uninsured or underinsured motorist coverage. Provide them with all the necessary documentation, including police reports, medical records, and witness statements.

Pursuing legal action

If necessary, discuss with your attorney the possibility of pursuing legal action against the uninsured or underinsured driver to seek further compensation for damages.


Remember, each situation may have unique circumstances, so it’s important to adapt these steps as needed. Seeking professional advice from an attorney and maintaining open communication with your insurance company will help ensure a smoother claims process and protect your rights after an accident with an uninsured or underinsured driver.

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