There may have several options to have your damages taken care of, including filing a claim with your own insurance company, filing a personal injury lawsuit against the at-fault driver or filing a claim with Canada’s public fund established for this purpose. Since this process is often complex, it is often best to consult with a knowledgeable lawyer.
Filing a Claim Against an Uninsured Driver
If an uninsured driver hits you, you may be able to file a claim against him or her for the damages that you sustained. You may need to use this option if the amount of your damages exceeds the amount of your uninsured motorist coverage.
What to Do After an Uninsured Driver Hits You
If an uninsured driver hits you, try to stay calm. Then, do the following:
- Call the police so that they can investigate the accident, possibly give a citation to the other driver and find out his or her contact information.
- Seek immediate medical attention if you are injured.
- Use your phone to record or photograph the accident scene. Document the damage to both vehicles, your injuries, the vehicle’s identifying information and different angles of the accident scene.
- Contact your insurance company and begin the claims process.
- Contact a personal injury lawyer who is experienced in handling uninsured motorist claims.
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