What Are Your Next Steps After Being Hit by an Uninsured, Unlicensed Driver?
Discovering you’ve been rear-ended by a driver without a license or insurance can be a stressful experience, especially when the damage is minor but the circumstances complicate the resolution process. If you find yourself in such a situation, it’s essential to understand your options and the best course of action for protecting your interests. Here’s a comprehensive guide to navigating this challenging scenario.
The Incident Overview
Recently, I was involved in a minor rear-end collision caused by an unlicensed, unregistered, and uninsured driver. The incident resulted in a small scraped bumper, with damage that’s easily repairable. The driver in question has no official identification and has proposed settling the matter privately, outside of insurance channels.
What Evidence Do You Have?
- Video footage capturing the incident, along with the license plate, and images of both the driver and passenger
- Photographs documenting the damage to my vehicle
- Contact details, including the driver’s phone number and a photo ID of the passenger
Since repair shops are currently closed, I can’t get an official repair quote until they reopen. I also have collision coverage through my insurance provider, GEICO.
Important Questions and Considerations
1. Handling Claims and Deadlines
Can I delay processing a claim until I obtain a repair estimate?
Typically, insurance policies have specific timelines for reporting accidents—commonly within 24 to 72 hours. However, because this involves an uninsured driver and potentially a private settlement, it’s best to notify your insurer promptly to ensure you’re within the window and to seek guidance on how to proceed without unintentionally activating a claim.
Should I inform GEICO now or wait until I get a repair quote?
You can contact GEICO today to report the accident and explain the situation, including your intention to pursue a private settlement. Doing so helps establish an official record and ensures you’re protected in case the situation changes. Be transparent with your insurer about your intentions to avoid any misunderstandings or claim denials later on.
2. Collision Deductible Waiver for Uninsured Drivers
Am I eligible for a waiver of my collision deductible since the at-fault driver is uninsured?
Some insurance policies include provisions that waive your deductible if the other driver is uninsured and at fault, but this varies. Review your GEICO policy carefully or speak directly with your agent to clarify whether
