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What can I do after an accident when the other person doesn’t have insurance?

On Behalf of | Apr 25, 2022 | Car Accidents, Personal Injury |

Going through a car accident can be a devastating experience. In addition to your injuries, you start accumulating bills almost immediately.

When the other driver does not have insurance, you may start to worry. Dealing with an accident can be expensive, and paying for everything yourself may be out of reach.

Here are a few things you can do after an accident when the other person does not have insurance.

Knowing who was responsible

After an accident, everyone has their own point of view about who caused the crash. While some cases are straightforward, others will take time to establish who was at fault.

Typically, you will need to wait for the police report to establish which driver was at fault for the accident. If the uninsured motorist was at fault, you might need to pursue legal action to get them to pay for the damage and injuries that they caused.

However, one of the challenges with uninsured motorists is that they tend to be uninsured because they do not have the money to pay. While you can pursue legal action, you will likely have challenges receiving money from them.

Uninsured motorist coverage

After an accident is a good time to take out your policy to see what coverage you have, especially if the other driver is uninsured. As you look at your policy, you should check if you have “uninsured motorist” coverage.

Uninsured motorist coverage can help you bridge the gaps that the other driver cannot cover because they do not have insurance.

Dealing with a car accident claim with an uninsured motorist can be complex and frustrating. You should talk to a skilled professional about your claim and how to move forward.