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What to Do After a Car Crash When the At-Fault Driver Doesn’t Have Insurance

Car accidents are always stressful and overwhelming situations, but they can become even more complicated when the at-fault driver doesn’t have insurance. In Missouri, like in many other states, drivers are required to carry auto insurance to cover potential damages resulting from accidents. However, not everyone abides by these laws, leaving innocent victims in a tough spot. If you find yourself in this unfortunate situation, here’s what you should do based on Missouri law.

1. Stay Calm and Ensure Safety: After the crash, prioritize your safety and the safety of others involved. Move your vehicle to a safe location if possible, and check yourself and others for injuries. If anyone is injured, call 911 immediately for medical assistance.

2. Exchange Information: Even if the other driver doesn’t have insurance, it’s crucial to exchange information as you would in any other accident. Obtain the driver’s name, contact information, license plate number, and vehicle registration details. Also, gather information from any witnesses at the scene.

3. Contact the Police: It’s essential to have an official police report documenting the details of the accident, especially when dealing with an uninsured driver. Contact the police and wait for them to arrive at the scene to file a report.

4. Notify Your Insurance Company: Contact your insurance company as soon as possible to report the accident, even if the other driver doesn’t have insurance. Your insurance policy may include uninsured motorist coverage, which could help cover your medical expenses and vehicle repairs.

5. Seek Legal Guidance: Dealing with the aftermath of a car accident involving an uninsured driver can be complicated. It’s wise to seek legal guidance from experienced personal injury attorneys who understand Missouri’s laws and can advise you on the best course of action.

If you find yourself in this situation in Columbia, Missouri, consider reaching out to AW Smith Law for expert legal assistance. With years of experience in handling personal injury cases, including those involving uninsured motorists, their team of attorneys is dedicated to helping accident victims navigate the legal process and obtain the compensation they deserve.

Remember, you have rights, even if the at-fault driver doesn’t have insurance. By following these steps and seeking the right support, you can protect yourself and work towards resolving the situation as smoothly as possible. Stay safe on the roads, and always drive defensively to minimize the risk of accidents.