Call the police. Regardless if the other person has insurance or not, it’s always a good idea to call the police after car accidents that have transpired. If the at-fault driver is an uninsured motorist, you will have the police report stating that fact, and it will help make the claims process smoother.
Go through your insurance provider. The other driver could face hefty fines and fees for not having insurance so they may try to offer you money in order to avoid legal repercussions. There’s no way to tell the extent of your injuries and damage, accepting money may mean you end up paying in the end.
Exchange information. You will need their contact information, even though they aren’t insured. Also ask any eye witnesses how to get in contact with them, as their statements can prove beneficial during the accident claims process.
Gather details. Write down the make and model of the vehicle involved, time and location of the accident, the direction you were traveling, weather conditions, what happened right before the accident, traffic and road conditions at the time, and the name and badge number of the responding officer.
Take pictures. Capture any damage done to your vehicle and the other car, the other driver’s license plate, traffic signs and the direction each vehicle was traveling.
Notify your insurer. File a claim as soon as possible, as most insurance companies have a strict time limit on when you may file an underinsured or uninsured motorist claim.