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Hit and Uninsured: What to Do When the Other Driver Has No Insurance

Car accidents are stressful, confusing, and sometimes tough to recover from -- and that’s without insurance issues. Throw in a driver who’s uninsured or underinsured, and you’ve got a real mess on your hands. So what should you do if you have a wreck with a driver who doesn’t have insurance? Let’s take a look at the next steps to take in this situation.

#1: File a Claim with Your Insurance Company

No, it wasn’t your fault -- but you still need someone to pay for the damages, and if the responsible party doesn’t have car insurance, that means you’ll need to file a claim with your own insurance company. If you have uninsured motorist coverage included in your policy, and if the other driver was indeed at fault, then you will have the option to pursue compensation up to the amount specified in your policy.

#2: Consider More than One Claim

After a car accident, there are certain things you should do to make sure that you get any compensation you deserve. This holds true for uninsured and underinsured drivers, as well. The only difference is that you won’t be watching out for calls from the other driver’s insurance company because there isn’t one. Seek medical attention immediately after the wreck, document absolutely everything that relates to the accident, and consider doing something that could make a world of difference to your claim…

#3: Hire a Car Accident Attorney

Even without the insurance company to contend with, seeking compensation for your injuries can be a complicated process. However, the last thing you should do is leave your case to chance. The injuries you suffer as the result of a car accident can cause you to lose wages, lose your job entirely, or end up with a pile of medical bills -- and if you weren’t at fault, you shouldn’t be dealing with any of that.

Involved in a Wreck with an Uninsured Driver? Contact Wettermark Keith!

We know how traumatic the aftermath of a car accident can be -- and we are ready to help you navigate the process of getting compensation for what you’ve been through. Contact us today for a free consultation!

Ready to work together? Contact us today for a free consultation.


If you or a loved one have been injured and think you might have a case, call us now for a free consultation.