At least 13% of Colorado drivers are uninsured and even more than that are considered underinsured. While you may think that your chances of being in an accident with one of these people is low, these crashes happen all the time. Here’s what you can expect if you’ve been in an accident with a driver who doesn’t carry insurance or who doesn’t have enough coverage.
Call the Police
You may want to call the police no matter what, but you should definitely do so if you find out that the other party in your accident doesn’t have insurance. The police will document this fact and get the process started for legal proceedings against the uninsured driver. Since driving without insurance is illegal in Colorado, they will face consequences for their actions.
Call Your Insurance Company
Call your insurance company like you would normally do after an accident. Let them know that the other driver wasn’t insured, didn’t have enough insurance, or couldn’t prove it either way. This allows them to take on the investigation to find out who is responsible for paying your damages from the accident.
Contact a Lawyer
A personal injury lawyer or a car accident attorney has experience dealing with cases like these. These claims get especially complicated when dealing with an uninsured or under insured driver. Your auto accident lawyer will make sure that you get what you are entitled to so you don’t experience out-of-pocket losses over an accident that wasn’t your fault.
Track Your Expenses
If you spend any money on medical or auto repair/replacement costs after the accident, make sure you note these down. Keeping track of these can help you make sure that you get all of your costs covered. Contact your lawyer about these expenses to find out the best way to track them and what you need to keep to prove that they were related to the accident.