What To Do After a Rear-End Collision with an Uninsured and Unlicensed Driver
Being involved in a rear-end collision can be stressful, especially when the at-fault driver is unlicensed, uninsured, and unregistered. If you’re facing such a situation, it’s essential to know your rights and the best steps to protect yourself. Here’s a guide to navigating this challenging scenario.
Understanding Your Situation
Recently, I was rear-ended by a vehicle operated by an unlicensed, unregistered, and uninsured driver. Fortunately, the impact was minor—primarily a scratched rear bumper—due to a near-miss. The driver, who lacks valid identification, has expressed interest in settling the matter privately, bypassing insurance claims.
What Evidence Do I Have?
- Video footage capturing the incident, including the license plate and the faces of the driver and passenger
- Photographs of the vehicle damages
- Contact details of the driver, including phone number
- Photos and ID of the passenger
Currently, local body shops are closed, so obtaining a repair estimate will have to wait until they reopen. I have collision coverage through GEICO, my insurance provider.
Key Questions and Recommended Actions
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Timing and Claim Submission
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Can I wait until Monday to get quotes and attempt a private settlement? Are there deadlines I should be aware of?
Typically, insurance policies have specific timelines for reporting accidents—often within 24 to 48 hours. However, since the damage is minor and a formal quote will be obtained later, it’s advisable to notify your insurer as soon as possible to document the incident. You can inform GEICO now about the collision and that you’re considering a private settlement without necessarily filing a claim immediately. Doing so helps preserve your coverage options and ensures you’re protected.
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Collision Deductible and Uninsured Drivers
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Am I eligible for a waiver of the collision deductible because the other driver is uninsured?
Eligibility for a collision deductible waiver depends on your policy and state regulations. Generally, your insurance company can waive the deductible if the at-fault driver is uninsured and cannot compensate for damages. Contact GEICO directly to inquire about this possibility, providing all evidence and details you have.
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Impact on Insurance Premiums
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Since I am not at fault, will this incident affect my future premiums?
Even if you are not deemed at fault, insurance companies can sometimes increase premiums after an
