Trinidad & Tobago Guide
Being involved in a car accident is stressful enough. But then you find out that the other driver is uninsured??? Although the law in T&T says car insurance is mandatory! Now it’s a real disaster.
But wait, there are still steps you can take to safeguard your finances and your legal rights. Our guide is going to walk you through exactly what you should do.
💡 Summary at a Glance
Yes, being hit by an uninsured driver can feel like a worst-case scenario — but you still have options if you stay calm and act wisely.
Prioritise safety, don’t panic, and never admit liability at the scene
Gather detailed evidence, witness information and photographs before leaving
Always make a police report within 24 hours, even if the uninsured driver objects
Notify your insurance company immediately — some benefits and coverage may still apply
Seek medical attention and keep records
Consult a lawyer who can advise on the merits of legal action
Always renew your motor insurance so you’re never the uninsured driver
1. Safety First
Move to a safe area and check yourself and your passengers for injuries. If anyone requires serious medical attention, call the ambulance. If it’s safe to do so, turn on your vehicle’s hazard lights to alert other drivers.
2. DO NOT admit liability
Don’t apologize or say anything that suggests the accident is your fault.
3. Keep Cool
You’re feeling disoriented and frightened after the accident. Finding out the other person doesn’t have insurance may tip you over the edge.
But a confrontation won’t benefit anyone. Instead, you need to lock in. You may be able to get legal redress but that all depends on whether you can gather the correct information.
4. Record the Facts
Here’s the info you should gather before leaving the scene:
- Note the date, time and exact location of the accident
- Get contact details from any witnesses and ask them to provide written or verbal statements
- Take clear pictures of the site of the accident, vehicle damage, the other car’s license plate and any damage to surrounding property
- Get the other driver’s name, address, phone number and driver’s permit details. If they are unwilling to share their info, remember #3 — keep cool and don’t argue. Gather any details you can, such as a description of the driver and relevant vehicle details: license plate, car colour, make and model.
Depending on your insurance, you may have access to 24-hour accident response. If this service is available, call the number ASAP. You may be severely shaken up after an accident and the experts can help by gathering all the right information.
5. Tow your Vehicle (if needed)
Only tow your vehicle after you’ve taken pictures. Some motor insurance includes a 24-hour towing service, so make use of this if it’s available.
6. Make a Police Report
In T&T, all road accidents must be reported to the police; ideally you should make your report within 24-hours. You can either go to the nearest station or call the police and request their presence at the scene.
Now, the uninsured driver may try to discourage this. After all, they’re breaking the law by driving without insurance. They may even say, “I’ll take care of the repairs; no need to call the police.” Remember, you don’t know this person; if they don’t repair your vehicle and you don’t have an official police report, then you’re stuck footing the bill.
7. Notify Your Insurance Company
This may be your first time dealing with this situation. But your insurance has dealt with it before. Provide them with the police report and all the evidence collected at the scene. They can offer advice on the next steps.
Depending on the type of insurance you have, you may even still be covered. There may also be benefits you can access. For example, if your insurance includes coverage for loss of use, you may be provided with a replacement vehicle for a fixed period of time.
8. Seek Medical Attention
Even if you feel fine, visit a doctor for a checkup. Injuries like whiplash, soft tissue damage or internal bruising may not be obvious right away. Remember to keep all medical records in case you decide to pursue legal action.
9. Speak to a Lawyer
Maybe the uninsured driver really does pay to fix your car and all is well. But, if they don’t, you should consult an attorney. They will give you an idea of whether legal action is worthwhile, the cost of pursuing a claim and how much you could realistically regain if you were to win. Then you can decide if you want to proceed.
Final Thoughts: Don’t Forget to Review YOUR Motor Insurance
And finally, remember that you never want to be the uninsured driver in this scenario. If you’re not sure when your insurance is due, check it now. And if you’re not sure what benefits your insurance gives you, check on that too.
If you’re not happy with your coverage, you can always shop around to see if there’s something better out there. You never know when you’ll need it.
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Our Maritime team of advisors is here to help you. Whether you need advice on insurance or financial planning, we’re committed to offering personalised support and solutions. If you’d like to chat, you can always reach out to us.
