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What if I’m injured in an accident brought on by an uninsured driver?

What You Ought to Know

  • Reporting the accident is essential when coping with an uninsured driver
  • Your insurance coverage choices embrace uninsured motorist protection (UIM), no-fault or PIP/MedPay protection, and collision protection
  • Submitting a lawsuit towards the uninsured driver is an choice, however their lack of property could make it troublesome to obtain compensation

Automobile accidents are all the time a trouble, however in the event you’re injured in an accident brought on by an uninsured driver, it turns into much more sophisticated. For instance, it’s possible you’ll be fearful about how you’ll pay for medical payments, repairs to your automobile, or different bills that come up from the incident.

On this article, we’ll talk about what to do if you end up in an accident with somebody who tried to drive with out insurance coverage, the alternative ways you may search compensation, and the importance of getting uninsured motorist protection as a part of your auto insurance coverage coverage.

Understanding Your Choices When Injured by an Uninsured Driver

When you’re injured in an accident brought on by an uninsured driver, it’s pure to really feel involved about how the scenario shall be dealt with. You might be going through mounting medical payments, particularly in the event you don’t have complete medical health insurance.

Moreover, there are potential automobile repairs and different bills arising from the incident. It’s essential to perceive the completely different insurance coverage choices obtainable to handle these issues and make sure you’re ready for an accident.

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Insurance coverage Choices for Accidents With Uninsured Drivers

When coping with accidents involving uninsured drivers, exploring all obtainable insurance coverage choices is important to assist cowl the prices of accidents and damages.

Uninsured Motorist Protection (UIM)

Uninsured motorist protection (UIM) can defend you in the event you’re concerned in an accident with a driver who doesn’t have any automobile insurance coverage. UIM protection is required in a handful of states however is obtainable in different states as an non-compulsory addition to your coverage.

Underinsured motorist protection helps when the at-fault driver has inadequate insurance coverage to cowl your losses. To see in case your state requires UIM protection, try auto insurance coverage necessities by state.

No-Fault, PIP, or MedPay Protection

These insurance policies can be utilized to pay medical payments after a automobile accident with an uninsured driver in no-fault states or the place Private Harm Safety (PIP) or Medical Funds (MedPay) protection is obtainable. A majority of these protection apply no matter who precipitated the accident.

Collision Protection

Collision protection can be utilized to restore your automobile if the at-fault driver is uninsured. Whereas not particularly designed for this example and gained’t cowl accidents, it could possibly present some reduction in the event you don’t have uninsured motorist protection.

Insurance coverage Coverage for the Uninsured Driver’s Car

If the uninsured driver is driving an insured automobile, the automobile’s insurance coverage coverage ought to lengthen to cowl your accident. On this case, you may file a declare with the automobile proprietor’s insurance coverage firm for compensation.

Well being Insurance coverage Choices in Accidents with Uninsured Drivers

Sometimes, auto insurance coverage insurance policies that embrace private damage safety (PIP) or MedPay shall be thought of main protection for any accidents sustained in a automobile accident.

If this protection is maxed out, your medical health insurance will act as secondary protection, filling the gaps left by your auto insurance coverage. Medical health insurance gained’t cowl non-medical bills akin to automobile repairs or misplaced wages.

The Significance of Uninsured Motorist Protection

An accident with an uninsured driver highlights the significance of getting reasonably priced full protection auto insurance coverage, together with an uninsured motorist coverage.

One of these protection affords added safety for eventualities the place the at-fault driver can’t pay for damages. As well as, investing in uninsured motorist protection helps decrease potential out-of-pocket losses after an accident with an uninsured driver.

No matter protection you will have, you must file a police report after an accident with an uninsured driver. Present all particulars of the at-fault driver and any witnesses on the scene. This documentation will assist when searching for compensation for damages.

Submitting a Lawsuit In opposition to the Uninsured Driver

Submitting a lawsuit towards an uninsured driver is an choice, however it could not assure compensation. Many uninsured drivers are “judgment-proof,” which means they don’t have property that may be seized in a lawsuit.

Nonetheless, if the driving force has cash or precious property, a private damage lawyer may take your case and file a lien towards the driving force’s property.

It’s finest to seek the advice of an legal professional when critical accidents are concerned or insurance coverage choices are inadequate. They will advise you on the very best plan of action, akin to submitting a lawsuit or pursuing an uninsured motorist declare together with your insurance coverage firm.

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Know Your Choices if Injured by an Uninsured Driver

Being injured in an accident brought on by an uninsured driver may be extremely irritating and anxious. Nonetheless, figuring out your choices for searching for compensation and having correct insurance coverage protection can reduce this burden.

Take into account including uninsured motorist protection to your auto insurance coverage coverage in the event you haven’t already.

Incessantly Requested Questions

Can I buy uninsured motorist protection after an accident with an uninsured driver?

Sadly, you can’t buy uninsured motorist protection retroactively. Due to this fact, it’s important to have this protection in place earlier than the incident to benefit from its advantages. 

Will my insurance coverage go up if I’m hit by an uninsured driver?

Your insurance coverage charges could or could not enhance after you’re hit by an uninsured driver, relying in your coverage and the circumstances of the accident. Some insurance coverage corporations provide “accident forgiveness” packages that stop your charges from rising after your first at-fault accident or while you’re not at fault.


In any other case, how lengthy it takes for an accident to get off your report varies relying in your state and auto insurance coverage supplier, however it usually will stay in your report for 3 to seven years.

What ought to I do instantly following an accident with an uninsured driver?

After any automobile accident:

  1. Report the accident to the police and alternate data with the opposite driver.
  2. Doc the scene by taking photographs of the autos concerned and any property harm or accidents, and gather contact data from any witnesses.
  3. Search medical consideration if wanted, and hold medical remedy information to undergo your insurance coverage firm.

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Rachel Bodine

Insurance coverage Function Author

Rachel Bodine graduated from faculty with a BA in English. She has since labored as a Function Author within the insurance coverage business and gained a deep data of state and countrywide insurance coverage legal guidelines and charges. Her analysis and writing give attention to serving to readers perceive their insurance coverage protection and tips on how to discover financial savings. Her knowledgeable recommendation on insurance coverage has been featured on websites like PhotoEnforced, All…

Leslie Kasperowicz

Farmers CSR for 4 Years

Leslie Kasperowicz holds a BA in Social Sciences from the College of Winnipeg. She spent a number of years as a Farmers Insurance coverage CSR, gaining a stable understanding of insurance coverage merchandise together with house, life, auto, and business and dealing immediately with insurance coverage prospects to know their wants. She has since used that data in her greater than ten years as a author, largely within the insurance coverage…

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