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Despite state law and regulation for all driver’s to carry adequate liability insurance, there are still those drivers on the road with no insurance coverage at all. Due to this negligence on the part of irresponsible drivers, many states now also require the additional purchase of uninsured and underinsured motorist coverage.

Drivers without insurance policies are 10 times more apt to get in their automobiles to drive after indulging in alcoholic beverages. They are also 3 times more apt to be found guilty of driving negligently. Around 15% of all drivers do not have any insurance. Therefore, it is hardly amazing that 10% of motorists have found themselves in accidents with such uninsured drivers. What are the steps to take if you have this experience and how can you achieve some level of protection?

When the accident happens, you will not know if that other driver has insurance or not, so you must react normally. Take notes on the other car’s model, make, registration number, and license. Also, note the driver’s name and address- even though he might not give you all the right details.

Take notes about the scene of the accident, too, like where road signs were located, or what the lighting and weather were like. Write down what damage there was to the other car and whether that car had its lights on. More information is better than less. Get contact information from any witnesses present. If you have a camera handy, take pictures of the damage, and also try to get a picture of the other driver, since police might need it.

If you have a comprehensive auto insurance policy, your insurer will pay for your car to be repaired but you could lose your no claims discount. And then there’s the issue of your deductible (that’s the first part of the repair expense you have to pay for). You will pay that unless you have a policy that waives the deductible if you’re hit by an uninsured motorist.

Many drivers with auto insurance carry the smallest amount permitted by law, which may be insufficient to cover the damages caused by a major car wreck. If a driver at fault cannot pay for the out of pocket expenses resulting from an accident that he caused, you will need to carry Underinsured Motorist insurance. Otherwise, you could be saddled with the bills.

When you buy your auto insurance policy, the best thing you can do is purchase uninsured and underinsured motorist coverage. When you are driving, be alert, drive defensively, and always wear your seatbelt.

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