Don’t fall for fraud! Know what to do if you hit a car without insurance

Unfortunately, when driving on the streets all drivers face the risk of an accident. However, a collision between two drivers who have insurance is not the same as one in which only one party has insurance and the other does not. Today we will tell you what can happen and how to avoid fraud in these cases.

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The risks of bumper lifts

By law, it is mandatory to have car insurance to drive, even if the coverage is only for civil liability. Despite this, thousands of drivers circulate on the streets without complying with this requirement and many of them intentionally collide with other drivers to force them to pay in cash.

It should be noted that not all drivers who do not have insurance are bumper riders, but the following recommendations will help you act in the event of an accident.

Recommendations to avoid falling into fraud in a car accident

If you are in a car accident and the driver you collide with does not have insurance, we recommend:

• • Make sure those involved in the accident are okay.
  • Take the data of: license plate number, model and characteristics of the vehicle that can be used to report in case the other party wants to escape.
  • Call the traffic police and your insurer. The presence of the authorities is essential, especially if the other person involved does not want to assume responsibility for him. Furthermore, the authorities are the ones who must carry out the expert opinion that will help them initiate a civil lawsuit and demand compensation for damages.

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• Try to obtain the counterparty’s personal information: full name, address, telephone number, among others.
• Avoid getting involved in arguments. The street riders seek to intimidate and threaten their victims to force them to pay. If you are intimidated, return to your vehicle, roll up your windows and wait for the authorities and the adjuster to arrive.

When the adjuster arrives, they will inspect the damages and, if the uninsured driver is responsible for the accident, they should be required to pay in full for the car repairs and medical expenses of the passengers.

Only the insurance adjuster must evaluate the damage, request repair and negotiate payment terms. Avoid reaching agreements without the intervention of the adjuster to avoid fraud or poorly performed repairs if you accept that the other person takes the vehicle to their own mechanic.

Be careful with complementary insurance or double policies. Many insurance agents seek to sell policies to their clients, even if they already have car insurance, and tell them that having two complementary insurance policies will protect them from cases like this. However, you will end up paying more for the contract, the premium and you could be unpleasantly surprised that the two insurers withdraw the protection.

Finally, if the other driver does have insurance, but his policy does not cover the full amount of damages, it will probably be necessary to reach a settlement or start a legal process to demand reparation of the damage.

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Turn to LEX & CO

If you face problems with your insurer, at LEX & CO we are mexican law firm, you will find the insurance lawyers you need to request compensation for the damage. Request more information through our contact form or WhatsApp button.We offer top-notch specialists in Mexico for probate law, real estate law, and tax law. We provide information about how to sue an insurance company for bad faith.

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Lic. Carlos Figueroa Rodríguez

Carlos Figueroa Rodríguez, attorney at law at Lex & Co. He has more than 10 years of experience in specialized cases involving insurance claims and medical malpractice. He is a graduate of the Universidad Anáhuac and has a Master’s Degree in Constitutional Law and Amparo from the National Bar Association. He also has a Doctorate in Juridical Sciences from the UCI Mexico. Professional license 6577215.