Being involved in any serious accident is often devastating, it’s even worse if you or someone in your vehicle is injured. While this is true, when this situation occurs, you may also believe that you can receive compensation if another driver was to blame for the accident and injuries that occurred.

Unfortunately, if you are dealing with an underinsured or uninsured driver, things related to receiving compensation can become complicated. While this is true, you still have options. Keep reading to learn about some helpful tips that can improve the negotiation with an underinsured or uninsured driver.

Gather Information from the Other Driver

Directly after an accident occurs, there are several things you can, and should, do. Regardless of the circumstances of the accident, it’s essential to deal with anyone’s injuries first. If there isn’t anything that you can do to help the situation, evaluate whether or not an ambulance is needed.

If you aren’t too badly injured, exchange contact information and insurance information with the other person or people who were involved. This is when you may find out you are dealing with an underinsured or uninsured driver. Then again, you may not find out right then, but discover this further into the process.

Get in Touch with the Authorities

After an accident occurs, if the injuries aren’t severe, you may think there’s no need to involve the authorities. Think again. You should call the police.

By calling the police, you have someone come to the scene of the accident who will ask questions and make observations that are recorded in the police report. Remember, it can take some time for the police to arrive, so be sure to take photos of the accident scene, vehicles, personal injuries, and other factors that played a role in the accident.

It’s also smart to photograph how the vehicles are sitting, and any damage to any of the cars or trucks involved. If there are witnesses present, ask them if they would be willing to give a statement about what happened. Keep in mind though, this is something the police will do when they arrive, so you don’t have to go this far if you would prefer not to.

Acquire a Copy of the Accident Report

It’s crucial that you get a copy of the police report that was created for the accident. This may provide you with invaluable evidence regarding what may have caused your accident. It will be necessary to submit the report with any other evidence, including eyewitness statements and photos, which can help you avoid being accused of being at fault for the accident you were involved in.

Check to See if Your Insurance Covers Underinsured or Uninsured Drivers

It’s important that you contact your insurance company and let them know about the accident that occurred. Also, if you have found out that the other driver who was involved did not have insurance, you can see if your policy covers this. There are some drivers who are pleasantly surprised to learn that their insurance policy actually provides coverage for this.

Sometimes, this is the only recourse you will have if the at-fault motorist doesn’t have insurance coverage to get the compensation needed for the injuries and damages that you suffered.

Hire an Attorney for Help

It’s a good idea to hire an attorney for help with this type of claim, if necessary. They will gather evidence and provide quality legal representation to help you get the compensation you deserve for the injuries and damages you suffered.