What to Do if the Other Driver Doesn’t Have Insurance

Getting into an accident with an uninsured driver can be stressful, but there are still ways to seek compensation for your damages. Here’s what to do if you find yourself in this situation:

1. Call the Police
   • Report the accident and have the police create an official report. This documentation will be essential for any future claims.
2. Gather Evidence at the Scene
   • Take photos of the damage, accident scene, and any visible injuries. Collect contact information from witnesses to support your case.
3. Notify Your Insurance Company
   • Inform your insurer about the accident. If you have uninsured motorist coverage (UM), it can help cover medical bills, lost wages, and other damages.
4. Explore Uninsured Motorist Coverage
   • In California, uninsured motorist (UM) and underinsured motorist (UIM) coverage are available to protect you in situations like this. Check your policy to see if you’re covered, and file a claim if applicable.
5. Consider Personal Health Insurance and MedPay Coverage
   • Your health insurance may cover medical expenses, while MedPay, if included in your policy, can help with additional medical costs regardless of fault.
6. Consult a Personal Injury Attorney
   • An experienced attorney can help you explore options to recover damages, such as pursuing a personal injury lawsuit against the uninsured driver.
7. File a Civil Lawsuit
   • If uninsured motorist coverage isn’t available, a lawyer can guide you through filing a lawsuit to recover damages directly from the at-fault driver, although collecting payment can sometimes be challenging.

Having a plan in place and consulting an attorney can help you protect your rights and secure the compensation you need. To discuss your options and learn how they can assist you in navigating an accident with an uninsured driver.