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What could happen in an accident with an uninsured driver?

Getting into an accident on a Washington roadway is never a pleasant experience, but it becomes even more dreadful when you learn the other driver is uninsured. Generally, when you are involved in an accident and the other driver is at fault, you can collect damages to cover medical expenses, repair bills and other associated costs. However, if the other driver is not insured, it can become difficult to collect the money rightfully owed to you.

Credit.com reports that you should gather as much information as quickly as you can after an accident. This will help if the other person takes off before authorities get there. Try to write down or take a picture of the license plate and details about the vehicle. Also try to get the person’s name and contact information, along with gathering details about him or her.

If you do find out the other person is not covered by insurance and you have uninsured motorist coverage as part of your insurance, then you should be able to collect money for medical expenses and repairs. If you do not have this coverage, then you are left with taking the person to court to get an order for damages. This does not mean you will ever actually be able to collect them, especially if the other person cannot afford to pay.

Sometimes the other driver will try to offer you cash at the time of the accident. They may even suggest not reporting the accident to law enforcement or your insurance. If damage was minimal, you may be tempted to take their offer, but this is rarely a good idea. Damage could be much worse than what you can see or you could have suffered an injury and not be aware of it yet. It is best to report an accident to the proper authorities and work out the settlement details later. This information is only intended to educate and should not be interpreted as legal advice.

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