If the accident was not your fault
The process of recovering repair costs from an uninsured driver may be a little more complicated because they will need to pay for the repairs out of their own pocket. Generally, you’ll have two options:
- Contact your insurance company to report the damage and have them handle all the paperwork, quotes and chasing on your behalf.
- Settle the issue privately with the other driver. Provide a few quotes from different mechanics for them to consider and agree to. If you go with this option, you should still report the accident to your insurer as soon as possible to ensure you’re fulfilling your ‘duty of disclosure.’