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The Person Who Hit Me Doesn’t Have Auto Insurance

By November 22, 2022Insurance

Unfortunately, accidents happen. They can be a huge pain, especially if the person who hit you doesn’t have auto insurance. Although Maryland requires all drivers to have auto insurance, there are still people on the road without it. So what does it mean for you if you’re hit by an uninsured driver? Keep reading to find out what you can do.

Call the Police

It’s not uncommon for uninsured drivers to ask to avoid involving the police. This is a bad move. Always call the police and report the accident. It’s important you do this so that there is something on the record, and so that you get your expenses covered.

Don’t Accept Money

Uninsured drivers might try to offer you some money in exchange for not involving the police and your insurance company. Never accept their money. You have no idea how much damage they caused and how much it will cost to repair them. Always go through your insurance provider.

Gather Details

Gather as many details as you can about the accident and the other person. This includes things like:

Pictures of the accident
Make and model of the vehicle
Location of the accident
Name and badge number of the responding officer

Talk to your Insurance Company

Once you’ve made it home or to a safer location, call your insurance provider to inform them of the accident. Be sure to mention that you were hit by an uninsured driver. You’ll be asked to provide additional information and they will take it from there.

Prepare by Having Uninsured Motorist Coverage

One way to avoid having to pay out of pocket if you’re hit by an uninsured driver is having uninsured motorist coverage. In Maryland, it’s required to have a minimum uninsured motorist coverage of $30,000 per person per accident, $60,000 total per accident for bodily injury, and $15,000 per accident for property damage. Keep in mind that these are only the minimums required by Maryland law and you can always opt for more.

The Best Choice for Auto Insurance

When you need auto insurance that will protect you against costly accidents, you need Freedom Insurance Agency. We offer some of the best Eldersburg auto insurance policies in the state and we can help you find a policy that works best for you.

Don’t wait until an uninsured motorist hits you, call us today to talk to one of our representatives about adding uninsured motorist coverage.