Even when the accident isn’t your fault, you’re in bother in case you don’t have insurance coverage. “You should still be topic to fines underneath the CAIA,” says Mitchell. “You additionally would don't have any proper to recuperate on your damages or accidents since The Insurance coverage Act prevents uninsured drivers from recovering funds even when they don't seem to be at fault for the accident.” If you're concerned in a hit-and-run accident and also you’re not in a position to get the insurance coverage data from the opposite driver as a result of they fled, initially, name the police. “You’re legally obligated to remain on the scene of an accident,” says Karageorgos. “If somebody doesn’t cease, that’s a crimson