Buckle up, fellow drivers! The road can be a wild and unpredictable place, where accidents can rear their ugly heads at any given moment. But what if you find yourself in an accident with an uninsured vehicle? Do you know what to do? Don’t hit the brakes just yet – keep reading to find out everything you need to know about how to handle this sticky situation!
Can you claim damages?
Absolutely! You’re not out of luck if you get hit by an uninsured driver. You have the right to seek compensation for any damages caused by the accident. Even if the driver doesn’t have insurance, you can sue them personally and hold them accountable for their actions.
Of course, it’s important to gather as much information as possible about the driver, such as their name and contact details. This will make it easier to file a lawsuit and claim damages for any harm you’ve suffered.
Just remember, the process can be complex, so it’s best to consult with a legal professional who can guide you through the process and help you get the compensation you deserve.
What should you do?
Imagine this: You’re driving down the road, minding your own business, when suddenly, a car comes out of nowhere and crashes into you. You step out of your car to assess the damage and exchange information, but when you ask for their insurance, they tell you they don’t have any. What do you do now? Accidents with an uninsured vehicle can be a headache but don’t worry. We’ve got you covered!
If you ever find yourself in this situation, here are the steps you should take to protect yourself:
Snap some photos
Take pictures of the other driver’s car and the damage to your vehicle. This visual evidence could be useful later on.
Take note of the license plate number
Record the license plate number of the other driver’s vehicle. This can help you search for information on the driver in the JPJ system.
Get their contact information
Get the other driver’s full name and phone number so you can get in touch with them later on.
File a police report
Make a report to the police within 24 hours of the accident. This will create an official record of the incident.
Call your insurance company
Contact your insurance provider as soon as possible and provide them with all the details of the accident.
Prepare for legal proceedings
Unfortunately, legal proceedings may be necessary if the other driver is uninsured and refuses to pay for damages. Be sure to keep all the evidence you’ve gathered and know your rights.
Remember, accidents happen, but it’s important to be prepared and know what to do. Don’t panic and take these steps to protect yourself and your rights.
Will you lose your No-Claim Discount (NCD)?
The answer is: MAYBE! Some companies may reduce your no-claims discount because the claim would need to be paid by your car insurance company since the driver at fault is uninsured. There are also other insurance companies out there that will protect your hard-earned discount.
Take a proactive step and check your policy to find out if your no-claims bonus is protected in case of an accident with an uninsured driver.
Be prepared
Hey, you never know what can happen on the road. Accidents can occur out of nowhere, and sometimes it’s not even your fault. That’s why it’s crucial to be prepared and know your rights.
If you’re ever involved in an accident with an uninsured vehicle, don’t panic. You can still claim damages from the other party. Make sure you gather all the necessary information and take the required steps to ensure that you receive the compensation you deserve.
Also, it’s always a good idea to have valid insurance coverage and roadtax before hitting the road. Not only will it save you from any legal trouble, but it’ll also make it easier to file an insurance claim in case something happens. So, stay safe, drive smart, and don’t forget to protect yourself.
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