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What Happens If I Am Hit by An Uninsured Driver



The reason that auto insurance is mandatory in most states is that auto accidents are a matter of public safety. People who drive without insurance are committing an act of public recklessness. If they get into an accident with you, it may be much more difficult for you to get the money to pay medical bills or fix any damages to your vehicle.

Uninsured Driver Coverage - A Common Concern

Many individuals who opt for more than a bare bones auto insurance policy choose to receive uninsured driver coverage. This extra payment makes the legal recourse very easy if you are hit by an uninsured driver. Simply have your insurance company pay for the damages. You don't even need to contact a lawyer or bring the uninsured driver into the picture. Your insurance company will help you file a claim with your state government.

If, however, you don't have uninsured driver coverage, the legal area becomes harder to determine. You will have to contact a personal injury lawyer and take the case to court. Because each uninsured driver case is different, you should consult with your legal professional before deciding to file a lawsuit.

Personal Injury Law and Hit and Run Accidents

Hit and run accidents are among the most common uninsured driver accidents. Drivers without insurance are far more likely to just drive away after damaging your vehicle. The important thing to do if you are the victim of a hit and run accident is to remember as many details as possible. Pull over and write down everything you remember including the make, model and color of the car in question. Provide this documentation to your lawyer, who will work with the police to find the uninsured driver.

You should always find a car accident lawyer to represent you in court against an uninsured driver. While the law is generally on your side, you will need to receive legal advice about whether, when and how to:

  • Handle inquiries from insurance companies
  • File the claim in court
  • Seek a settlement with the uninsured driver
  • Encourage police to search for the hit-and-run assailant
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