Hit by an Uninsured Driver? Here’s What to Do Next

People between the ages of 15-44 account for more than half of all road-related fatalities. Thankfully, not all car accidents lead to death. But what happens to those who are hit by an uninsured driver?

For starters, injuries need to be addressed, police reports need to be filed, and you need to contact your insurance company. 

If you’re currently dealing with this complicated issue, then keep reading to learn more about your options.

What to Do If You’re Hit by Uninsured Driver

The question of what happens if you get hit by an uninsured driver seems to come up a lot after road accidents. Some victims will want their own policy to take care of the damages.

However, this will only be possible if the victim has collision coverage. This coverage is an added fee, and it can protect you against uninsured drivers.

However, be aware that this type of coverage will not cover injuries. So if you were injured, you will need to make a call to a personal injury attorney!

How to Sue an Uninsured Driver for Damages

Suing an uninsured driver for damages can be beneficial in some cases. Unfortunately, not all lawsuits will be profitable for the victim. 

However, with the right attorney and enough information, it is possible to get full compensation! But be aware that the uninsured driver may not have any assets to give.

So even if you win your case, it may take some time to receive your compensation. Nevertheless, this option is more useful than going through your own insurance company.

How to Report Uninsured Driver

Claiming against an uninsured driver should be your first step after an accident! So make sure you call your insurance company and carefully explain the accident in as much detail as possible. Disclose to them that the driver was not insured, and ask what your options are.

Your insurance will provide you with all the information you need. However, if you have any injuries, then you will need to call a car accident attorney.

What if the Uninsured Driver Was Driving the Insured Car?

In the case that an uninsured driver was driving an insured car, you may not get compensation still. For example, if the owner of the vehicle was not present during the crash, you will not get an insurance payout.

In the case that the owner was present, but an uninsured driver was operating the vehicle, you may receive some sort of payout from the insurance.

However, there are variables that would need to be in place. For example, the driver must have full coverage insurance and extra protections.

And even with these protections, some states have varying laws on the level of protection with these cases. With all of this in mind, many victims end up taking these cases to court.

Get the Help You Need

If you have been hit by an uninsured driver, then you probably feel limited in your choices. However, you are not alone! So hopefully this article has taught you about what to do in these horrible situations.

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