Getting into a car accident is stressful enough—but what if the other driver has no insurance? You may still have options to recover your losses.
1. Stay Calm and Gather Information
Take photos, get witness contact info, and call the police. A report will help with your claim, even if the other driver is uninsured.
2. Check Your Own Insurance
If you have uninsured motorist (UM) coverage, it may pay for:
- Medical bills
- Lost wages
- Pain and suffering
Ask your provider about UM and UIM (underinsured motorist) coverage.
3. Sue the Driver Personally (Not Always Ideal)
You can sue the at-fault driver, but:
- They may not have money or assets
- Collection is difficult
- It can take months or years
That’s why insurance coverage is your best route.
4. Contact a Car Accident Lawyer
A lawyer can help:
- Negotiate with your own insurer
- Identify other liable parties
- Explore hidden coverage (e.g., employer insurance, vehicle owner)
👉 Free Consultations Available – You may not pay anything upfront.
📞 [Speak to a Car Accident Lawyer Today]