Next, exchange information with the other party/ies; names, addresses, phone numbers, and insurance information. It is helpful to write down the other vehicle's make, model, color, and license plate number. Get contact information from any witnesses to the accident. Take pictures of all vehicles involved, especially of the property damages.

A motorist involved in an accident must first file a claim with their own insurance company, no matter if you are at fault or not. If the damages is more than what your insurance company offers to pay, you can then file a personal injury case against the at fault driver.

A police report must be filed immediately when there are: injury, death, property damage over $500, in a hit-and-run, and when drunk driving is involved.

This creates a complex and challenging situation for all parties involved. Victims may face difficulties obtaining compensation for their losses, and the at-fault driver may encounter legal and financial consequences. All drivers should explore their own insurance coverage options, including UM/UIM coverage, to protect themselves in case they are involved in an accident with an uninsured or underinsured driver.