Hit By A Driver Without A License? Here's What You Should Do
Knowing what steps to take immediately after an accident involving a driver without a valid license is crucial to protect yourself and your rights.
Author:Michael RachalReviewer:Finn WildeNov 27, 20245.9K Shares94.8K Views
Being hit by a car is a traumatic experience, made even worse when the driver without a valid licenseflees the scene or is unable to cover the costs of the damage. Such accidents can lead to significant financial burdens, including medical expenses, property damage, and lost wages.
Knowing what steps to take immediately after an accident involving a driver without a valid license is crucial to protect yourself and your rights. Following these guidelines, you can navigate the legal process and seek compensation for your losses.
Immediate Actions
Call The Police
The first thing you should do is to call the police. This is crucial for several reasons. First, a police report will provide official accident documentation, essential for insurance claims and potential legal proceedings.
Second, the police officer will gather information about the incident, including details about the other driver and any witnesses. This information can be invaluable when seeking compensation for your losses.
Exchange Information
While waiting for the police to arrive, exchanging information with the other driver is important, if possible. This includes their name, address, phone number, and insurance information. Even if the other driver doesn't have a valid license, getting their insurance information is important, as you can file a claim with their insurance company.
Documenting The Accident
Once the police have arrived and the situation is stable, take photos of the accident scene. These photos should capture the damage to your vehicle, any injuries you may have sustained, and the overall scene of the accident.
Be sure to include photos of the other driver's vehicle, license plate, and any damage to their vehicle. These photos will be helpful when filing insurance claims and building your case.
Insurance And Legal Recourse
Check Your Insurance Policy
After an accident involving a driver with no valid license, reviewing your insurance policy for uninsured/underinsured motorist coverage is crucial. This type of coverage can help protect you financially if the other driver is at fault and doesn't have adequate insurance. It can cover medical bills, property damage, and lost wages.
Contact The Motor Insurance Bureau (MIB)
If the other driver is uninsured or underinsured, you may need to file a claimwith the Motor Insurance Bureau (MIB). The MIB is a government-backed organization that helps compensate victims of accidents caused by uninsured or hit-and-run drivers.
To file a claim with the MIB, you will typically need to:
- Gather documentation: This includes a police report, medical records, repair estimates, and photos of the accident scene.
- Complete a claim form: The MIB will provide you with a claim form to fill out.
- Submit supporting documents: You must submit all relevant documentation to the MIB.
- Wait for a decision: The MIB will review your claim and decide whether to pay compensation.
Consult With A Car Accident Attorney
While you can handle the insurance claims and legal process independently, consulting with a car accident attorney can significantly increase your chances of recovering fair compensation.
An experienced attorney can help you navigate the complex legal system, negotiate with insurance companies, and represent you in court if necessary. They can also help you recover damages for medical expenses, lost wages, pain and suffering, and other losses.
Conclusion
Being hit by a driver with no valid license can be a frustrating and overwhelming experience. By taking immediate action, documenting the accident, and seeking legal advice, you can protect your rights and maximize your chances of recovering fair compensation. Remember, time is of the essence, so don't hesitate to consult with a car accident attorney to guide you through the process.
Michael Rachal
Author
Michael Rachal believes that luxury lies in the details. With over 20 years of experience in the luxury travel industry, he has crafted hundreds of bespoke itineraries for clients seeking personalized, unforgettable experiences.
Whether guiding clients through private cultural tours or curating culinary journeys with world-renowned chefs, Michael ensures that each trip is tailored to perfection.
His ability to anticipate needs and exceed expectations has earned him a reputation as a leading expert in luxury travel.
Finn Wilde
Reviewer
For Finn Wilde, the wilderness is more than just a destination - it’s a way of life. Over the past decade, he has led multiple expeditions in some of the world’s most remote regions, from the icy fjords of Greenland to the rugged trails of Patagonia.
Finn emphasizes sustainability in all of his adventures, helping participants connect with nature while promoting responsible exploration. His expeditions inspire individuals to explore the great outdoors while fostering a deep respect for the environment.
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