What to Do if Involved in an Accident with an Uninsured Motorist

Car insurance acts as a safety net to keep motorists from falling into a world of debt after a car accident, but what happens if one or more of the involved vehicles are uninsured?

Motorists without insurance are a liability to other drivers on the road. Fortunately, there are a few ways that victims can recover rightful compensation if they’re involved in an accident with someone who doesn’t have coverage.

Continue reading for more information on recovering compensation after a car accident with an uninsured motorist.

Will My Insurance Cover My Damages if the At-Fault Party Doesn’t Have Insurance?

It depends. If you have uninsured motorist insurance or personal injury protection (PIP), you may be able to file a claim and recover financial compensation to offset your burden.

Some states require you to hold these types of coverage, while others do not. In the states where it’s not required, you can elect to add it to your policy. This will come at a cost, of course, but having it will give you peace of mind, knowing that you’re covered (up to a limit) against accidents with uninsured drivers.

How Does PIP and Uninsured Motorist Insurance Work?

PIP insurance acts as basic coverage to help those involved in car accidents quickly and easily recover compensation for their damages. If you’re involved in an accident, your personal injury protection will cover your damages, while the other party’s personal injury protection will cover their damages.

Uninsured motorist insurance works similarly, but it only applies to situations where you’re not at fault for the accident. While fault is important in personal injury protection situations, the coverage will still pay out, even if you’re at fault.

Both of these coverages should offer compensation after an accident with an uninsured driver, although other circumstances could determine your eligibility for damages.

Will Collision Coverage Help After an Accident With an Uninsured Driver?

Collision coverage is an optional type of insurance you can choose for your policy. It offers compensation for property damage up to a predetermined limit, even if the other driver involved in the accident didn’t have insurance.

If you have it, you can file a claim with your provider and collect compensation for your damage. Keep in mind, though, that collision insurance only covers vehicle damage. Medical expenses, lost wages, and other costs stemming from your accident aren’t eligible for recovery.

Can I Take Legal Action Against an Uninsured Driver?

No-fault states allow drivers to take legal action against the at-fault party of their accident if the damage exceeds a certain dollar figure. In states without these requirements, you can take legal action against the uninsured motorist who caused your accident, regardless of the dollar amount, if their actions call for a lawsuit.

Still, it’s possible that you’re successful in your legal efforts and still are unable to recover compensation. The at-fault party may not have the money to cover the damage you sustained, which leaves you right back where you started. Speak with your lawyer before you file your lawsuit and leverage their experience to determine the next best steps.

How Can Morgan and Morgan Help?

There might be thousands of lawyers online, but there’s only one Morgan and Morgan. Our team draws upon decades of experience to help our clients navigate towards the best possible outcome. Not only are we powerful in the courtroom, but we’re also an educational resource for anyone seeking to understand more about their accident situation.

Understanding compensation payouts after an accident with an uninsured driver can be complicated, confusing, and frustrating. We can help. Complete our free, no-risk case evaluation to get started.