No one should drive on the road without car insurance as it is against the law in West Hartford, Connecticut and any other state. If you are insured and your auto is hit by an uninsured motorist, you need to call the police to make a report. Hopefully the driver does not leave the scene. If they do leave, get their license plate number off the auto, make and model, and color of the auto. Call your independent agent as soon as possible.
If the driver does stay until the police arrive, get their name and address off their drivers license. Take photos if possible and try to get a quick photo of the driver in case they leave the area, which is common. Take care of any injuries first and then call your independent agent.
You should carry uninsured motorist coverage on your policy. Your coverage will pay for all of your damages. If you are seriously injured and you have reached the limits of your coverage, you may have to seek an accident attorney on your behalf to file a lawsuit.
Keep in mind that a lack of money is one big reason why a lot of people do not have car coverage. If you file a lawsuit, you may not be able to get anything from the suit. Your company may also try to file a law suit against the other driver.
If the driver offers to pay for the damages, you still must call your insurance company. The driver just does not want to get caught without coverage on their car. It is likely that this person has no money anyway.
If you are hit by an uninsured motorist, it is important that you give your independent agent in West Hartford, Connecticut, a call right away as we can give you specific details of your circumstances.