Overview
Getting hit by an uninsured driver feels like a dead end, but you may still have options for compensation. Many drivers carry uninsured motorist coverage on their own policy specifically for this situation, and it can step in to cover your medical bills and other losses. A lawyer can help you figure out exactly which coverage applies and how to pursue it.
Frequently Asked Questions
What happens if the other driver has no insurance?
If the at-fault driver has no insurance, you may be able to file a claim under your own uninsured motorist coverage, if you have it, which is designed to cover exactly this scenario. Without that coverage, you may need to pursue the at-fault driver directly, though collecting from an individual can be difficult.
What is uninsured motorist coverage?
Uninsured motorist coverage is an optional part of many auto insurance policies that pays for your injuries and sometimes property damage when the at-fault driver has no insurance at all. It essentially lets your own insurer step into the shoes of the missing coverage.
What about a driver who has some insurance but not enough?
That situation calls for underinsured motorist coverage, a similar type of policy add-on that covers the gap between what the at-fault driver's insurance pays and the full value of your damages. Many policies include both uninsured and underinsured coverage together.
Do I have to sue the uninsured driver myself?
Not necessarily. If you have uninsured motorist coverage, you generally file a claim with your own insurance company rather than suing the other driver directly, though your insurer may still investigate fault the same way any claim would be handled.
What if I do not have uninsured motorist coverage?
You can still explore filing a lawsuit against the at-fault driver personally, though recovering money can be harder if they have limited assets. A lawyer can help you evaluate whether this route makes sense for your situation.
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Get a Free Case Review →This page is for general informational purposes only and does not constitute legal advice. Laws vary by state and every case is different. Contact us to discuss the specific facts of your situation.
