How to Handle an Accident with an Uninsured Driver


Car insurance is required by law, but a surprising 13% of drivers on the road don’t have insurance. Raymond Nelson Insurance has a few tips on what you should do if you find yourself in an accident with an uninsured driver.


File a police report

  • Pull off to a safe area if possible and call 911.
  • Don’t let the other driver pressure you into not reporting the accident once you learn they’re uninsured.
    • They could attempt to plead with you saying they can’t afford insurance or their parents will be mad.
  • Wait for the police to arrive and collect all vital information
    • Contact information for the other party.
    • Any evidence from the accident or take photos of both cars.
    • If a bystander stops to make sure you’re ok, ask them to stick around as a witness.
  • The police report will provide a record of the accident for you to give to your insurance.


Refuse to accept even partial liability for the accident

  • You may find yourself liable for a percentage of the damages.
  • Avoid making statements that could seem like an admission of liability.
  • The other driver can make a case against you for even making a statement like, “I’m sorry this happened.”


Pursue a medical evaluation and care

  • Adrenaline after an accident can conceal many serious injuries.
  • Many victims of an accident can discover injuries hours or even days after the accident that may worsen after time.
  • Go to the hospital or urgent care facility for an evaluation.
  • Or, get looked at immediately on the scene if you feel any pain or confusion.


Check with your Raymond Nelson Insurance agent to make sure you have the proper coverage in case you find yourself in an accident with an uninsured and underinsured motorist.

At Raymond Nelson Insurance, we go the extra mile to find you the coverage that best protects what matters most, the business you’ve built, and the people you love. We always take the time to get to know each client and serve their best interests. Give us a call today at (270)885-1800 or contact us online for more information.