Car accidents are scary. But they can become even more stressful when the other driver doesn’t have insurance. You might be left wondering: Who pays for the damage? What happens to my medical bills? Can I still get money for my injuries? This blog post will walk you through what to do if you’re hit by an uninsured driver and how to protect yourself financially.
What Is an Uninsured Driver?
An uninsured driver is someone who does not have car insurance. While most states require drivers to carry minimum insurance, some people break the law and drive without it. If that person causes an accident, it can make getting compensation for your injuries more complicated.
Steps to Take After a Car Accident Involving an Uninsured Driver
Step 1: Stay Calm and Call 911
Just like with any accident, the first thing you should do is call 911. Even if the other driver is uninsured, the police can help:
- Write a report
- Get everyone’s information
- Help if someone is injured
A police report is very important. It can be used as evidence if you need to make a claim with your insurance company or file a lawsuit.
Step 2: Gather Information at the Scene
If it’s safe to do so, collect the following:
- Driver’s name and contact info
- Car make, model, and license plate
- Names and contact details of any witnesses
- Photos and videos of the cars, damage, and accident scene
Even if the other driver doesn’t have insurance, this information will help later. Your insurance company may need it to process your claim.
Step 3: Get Medical Attention
If you’re hurt, go to the hospital or see your doctor right away. Some injuries, like whiplash or internal bleeding, may not show up immediately. Medical records are also key evidence if you file a claim for injuries.
Step 4: Contact Your Insurance Company
Tell your insurance company about the accident as soon as possible. If you have uninsured motorist coverage (UM or UIM), you may be able to file a claim through your own policy. This type of insurance helps pay for:
- Medical bills
- Lost wages
- Pain and suffering
- Car repairs
Many people don’t realize they have this type of coverage.You should check your policy or ask your insurance agent.
What If I Don’t Have Uninsured Motorist Coverage?
If you don’t have UM or UIM coverage, you still have options:
- Collision Coverage – This pays for damage to your car, no matter who caused the crash. It doesn’t cover injuries, but it can help fix your vehicle.
- Health Insurance – If you’re injured, your health insurance can help cover your medical bills. You may have to pay a deductible or co-pays, but it’s better than paying everything yourself out of your own pocket.
- File a Lawsuit – You can sue the at-fault driver in civil court. But if they don’t have insurance, they might not have the money to pay you even if you win.
What Does Uninsured Motorist Coverage Include?
Uninsured motorist coverage often includes two types:
- Uninsured Motorist Bodily Injury (UMBI) – This covers medical bills, lost wages, and pain and suffering.
- Uninsured Motorist Property Damage (UMPD) – This helps pay for damage to your car. Not all states offer this, and in some cases, it’s optional.
Do All States Require UM Coverage?
No. Some states make it mandatory, others don’t. But it’s a smart thing to have. Even if your state doesn’t require it, adding it to your policy can give you peace of mind.
The state of Maryland requires all automobile policies to provide protection from an accident caused by an uninsured motorist.
What If the Other Driver Has Insurance, But Not Enough?
This is called an underinsured driver. Their policy may cover some costs, but not all. If your damages are higher than their limits, your underinsured motorist coverage (UIM) may cover the rest.
For example, if your total medical bills total $50,000, and the other driver’s policy covers only $25,000, your UIM may pay the remaining $25,000.
Do I Need a Lawyer If The Other Driver is Uninsured?
Dealing with uninsured drivers and insurance claims can be confusing. A car accident lawyer can help:
- Review your policy
- File your claim
- Negotiate with insurance companies
- File a lawsuit, if needed
Tips to Protect Yourself in the Future
You can’t control other drivers, but there are steps you can take to protect yourself:
- Check Your Insurance Policy – Make sure you have UM and UIM coverage.
- Keep Good Records – After an accident, keep all your documents in one place—police reports, medical bills, and repair estimates.
- Always Drive Safely – Defensive driving can help avoid accidents in the first place.
- Know Your Rights – Every state has different rules when it comes to accidents on the road. A local attorney can explain how the laws apply to your case.
FAQs About Uninsured Drivers
Can I sue an uninsured driver?
Yes, but they may not have the money to pay. A lawyer can help you decide if it’s worth it.
What if the accident was a hit-and-run?
This is often treated like an uninsured accident. Your UM coverage may help.
Will my insurance rates go up if I use UM coverage?
It depends on your state and your insurance company. In many cases, using UM coverage won’t raise your rates.
Speak With a Car Accident Attorney Today To Protect Your Rights
We hope this blog post helped you understand what to do if you’re hit by an uninsured driver and how to protect yourself financially.
Being in a car accident is bad enough. Finding out the other driver is uninsured adds even more stress. But don’t panic—you have options. The key is to act fast. Attorney Steven H. Heisler cares deeply about his clients and will work diligently to protect your rights if you are involved in any type of accident, even with an uninsured driver. Call our office today at (410) 625-4878 for a free consultation.