A lot of things can happen while on the road, including accidents. Have you ever thought of the chances to get into an accident with an uninsured driver? What should you do in such a situation? Can you claim insurance from the involved party?
Read on for more details regarding the matter in this article.
Can you claim insurance if you get hit by an uninsured driver?
To your knowledge, the answer is YES.
You may claim losses from them even though the driver who hit your vehicle does not have insurance.
The claim can be made to the party at fault and the vehicle owner (if the individual who runs over you is not the vehicle owner). You can sue them on personal capacity as the individual does not have insurance coverage. Typically, the claim will be forwarded to the court for a trial.
For a claim against the negligence of uninsured individuals, you will need to get their details. This includes their name and details to start the sue filing.
Your attempt to sue will not be successful without the details.
What should you do?
The followings are the steps that you need to take in the event of an accident with an uninsured vehicle:
- Take a photo of the driver’s car that hit you and your car’s condition.
- Jot down the plat number of the involved driver to facilitate the Road Transport Department in tracking down the car in the system.
- Get the phone number and full name of the involved driver.
- Make sure you lodge a police report within 24 hours after the incident.
- Contact your insurer.
- The procedure to file a sue will start at the court
Don’t panic and know your rights when dealing with an uninsured driver
We hope this article may give you an insight if you are dealing with any similar situation as stated above.
Please exercise your rights. Make sure you follow the steps to claim losses from the involved party.
On another note, make sure you renew your insurance and road tax before hitting the road. This is to prevent you from facing possible legal action taken against you and facilitate any insurance claim procedure if any untoward incident happens.
It is not difficult to renew your vehicle road tax and insurance. You can do it online using Bjak! There are 15 options of insurance brands for you to choose from. Choose the right one following your need and budget.
You may visit Bjak to get quotations for free.
Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!
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