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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 in opposition to the uninsured driver is an choice, however their lack of belongings could make it tough to obtain compensation

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

On this article, we’ll focus on what to do if you end up in an accident with somebody who tried to drive with out insurance coverage, the other ways you possibly can 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

If you find yourself injured in an accident brought on by an uninsured driver, it’s pure to really feel involved about how the state of affairs can be dealt with. Chances are you’ll be dealing with mounting medical payments, particularly in case you don’t have complete medical health insurance.

Moreover, there are potential car repairs and different bills arising from the incident. You need to perceive the completely different insurance coverage choices accessible to handle these considerations 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 accessible 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 case you’re concerned in an accident with a driver who doesn’t have any automotive insurance coverage. UIM protection is required in a handful of states however is obtainable in different states as an elective 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 automotive accident with an uninsured driver in no-fault states or the place Private Harm Safety (PIP) or Medical Funds (MedPay) protection is on the market. These kinds of protection apply no matter who triggered the accident.

Collision Protection

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

Insurance coverage Coverage for the Uninsured Driver’s Car

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

Well being Insurance coverage Choices in Accidents with Uninsured Drivers

Usually, auto insurance coverage insurance policies that embrace private damage safety (PIP) or MedPay can be thought-about main protection for any accidents sustained in a automotive 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 corresponding to car repairs or misplaced wages.

The Significance of Uninsured Motorist Protection

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

Such a protection presents 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’ve got, you have to 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 in search of compensation for damages.

Submitting a Lawsuit Towards the Uninsured Driver

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

Nevertheless, if the motive force has cash or priceless property, a private damage lawyer would possibly take your case and file a lien in opposition to the motive force’s belongings.

It’s finest to seek the advice of an lawyer when severe accidents are concerned or insurance coverage choices are inadequate. They’ll advise you on the perfect plan of action, corresponding to submitting a lawsuit or pursuing an uninsured motorist declare along 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 will be extremely irritating and hectic. Nevertheless, understanding your choices for in search of compensation and having correct insurance coverage protection can reduce this burden.

Contemplate including uninsured motorist protection to your auto insurance coverage coverage in case you haven’t already.

Regularly Requested Questions

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

Sadly, you can not buy uninsured motorist protection retroactively. Subsequently, it’s important to have this protection in place earlier than the incident to make the most of its advantages. 

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

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


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

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

After any automotive accident:

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

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Rachel Bodine

Insurance coverage Characteristic Author

Rachel Bodine graduated from school with a BA in English. She has since labored as a Characteristic Author within the insurance coverage business and gained a deep information 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 methods 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 residence, life, auto, and industrial and dealing immediately with insurance coverage prospects to know their wants. She has since used that information in her greater than ten years as a author, largely within the insurance coverage…

Editorial Pointers: We’re a free on-line useful resource for anybody involved in studying extra about auto insurance coverage. Our purpose is to be an goal, third-party useful resource for every little thing auto insurance coverage associated. We replace our web site recurrently, and all content material is reviewed by auto insurance coverage specialists.

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