Passionate. Professional. Reliable.

What to do if the driver responsible for the crash is uninsured

On Behalf of | May 29, 2024 | Car accidents

Dealing with the aftermath of a car accident can be overwhelming, especially when the driver at fault lacks insurance. Understanding your options and rights is crucial in such scenarios. Fortunately, there are remedies that may be available for you as a victim.

Here are ways you can handle the situation effectively and secure the compensation you may be entitled to:

File a claim with your own insurance company

After reporting the accident to the police, you can contact your insurance company to inform them about the car crash. If the other driver, who is responsible for the collision, does not have insurance, you may be able to file a claim through your own insurance policy if you have uninsured motorist (UM) coverage. This coverage allows you to claim compensation for damages caused by uninsured drivers.

No UM coverage?

If you do not have UM coverage, and your damages are relatively minor, you can consider filing a lawsuit in small claims court to recover the costs directly from the at-fault driver. In some cases, this can be a more accessible and cost-effective option for recovering damages, such as car repairs and medical expenses.

Find the right guidance

It is important to be proactive and informed about your insurance coverage options even before an accident occurs. Consider reviewing your policy to understand what protections you have in case you encounter an uninsured driver.

In the unfortunate situation that you do have to pursue compensation for injuries and damages because of a car accident, it is advisable to work with an attorney knowledgeable in motor vehicle accident claims, either in court or with your insurance company.