Car Accident with No Insurance: Your Legal Options

Being involved in a car accident with an uninsured driver is frustrating and stressful. Approximately 13 percent of drivers in the United States are uninsured, meaning there is a significant chance you could be hit by someone without insurance coverage.

If the Other Driver Has No Insurance

Your options include filing a claim under your own Uninsured Motorist coverage, which is mandatory in some states and optional in others. Filing a lawsuit directly against the uninsured driver to pursue their personal assets. Using your own collision coverage to repair your vehicle. Using your health insurance or MedPay to cover medical expenses.

If You Have No Insurance

If you were at fault, you are personally liable for the other driver's damages. If the other driver was at fault, you can still file a claim against their insurance in most states. Some states have restrictions on uninsured drivers filing claims, so check your state's laws.

Uninsured Motorist Coverage

UM coverage is the most important protection against uninsured drivers. It covers your medical expenses, lost wages, and pain and suffering up to your policy limits. UM coverage is mandatory in approximately 20 states and optional in the rest.

Conclusion

Being hit by an uninsured driver does not mean you are without options. Uninsured motorist coverage is your best protection.

Use our free settlement calculator to estimate what your case might be worth.