Auto Accidents and Uninsured Drivers: What You Need to Know
Car accidents are stressful enough without the added complication of the at-fault driver lacking insurance. Unfortunately, uninsured driver accidents are more common than many people realize.
If you’re involved in a collision with someone who doesn’t have auto insurance—or lacks adequate coverage—it’s important to understand your rights, your options, and the steps to take to protect yourself and your potential compensation.
Understanding Uninsured Driver Accident Claims
In a typical auto accident, the at-fault driver’s insurance pays for damages such as medical bills, vehicle repairs, and lost wages. But when the at-fault party doesn’t carry insurance, recovering compensation becomes more complex. This is where uninsured motorist (UM) coverage on your own auto insurance policy may come into play.
UM coverage is designed to protect you if you’re injured in an accident caused by:
- A driver with no insurance
- A driver with less insurance than your policy limits
- A hit-and-run driver who cannot be identified
What to Do After an Accident with an Uninsured Driver
If you’re in a crash and discover the other driver is uninsured, it’s essential to act quickly and carefully:
- Call the police immediately and ensure an official accident report is filed.
- Exchange information with the other driver—even if they don’t have insurance.
- Gather evidence at the scene, such as photographs, witness contact information, and any visible damages or injuries.
- Notify your insurance company as soon as possible. Even though the other driver is at fault, your insurer needs to know you plan to file a UM claim.
- Speak with an auto accident attorney to help navigate the claims process and protect your rights.
Car Accident Compensation and Insurance Coverage Disputes
Filing a claim under your own uninsured motorist coverage may sound straightforward, but insurance companies don’t always make it easy. Disputes over compensation can arise regarding:
- The extent of your injuries
- Whether the uninsured driver was truly at fault
- The value of your medical bills and lost wages
- Whether your policy limits are being correctly applied
Having a personal injury lawyer on your side can help prevent or resolve these coverage disputes. An experienced attorney knows how to build a strong case, handle communications with insurance companies, and push for the full compensation you’re entitled to.
Personal Injury Lawyer Tips for Protecting Yourself
To reduce your financial risk in an uninsured driver accident, consider the following:
- Review your policy to ensure you carry sufficient UM coverage. In many cases, UM/UIM (underinsured motorist) coverage is optional—but it can be vital.
- Don’t accept a quick settlement without understanding the full scope of your injuries and future medical needs.
- Keep records of all accident-related expenses, including medical appointments, prescriptions, car rentals, and time missed from work.
- Consult with a car accident attorney as soon as possible to evaluate your case and discuss next steps.
Talk to an Auto Accident Attorney at Lauenstein Law Firm
At Lauenstein Law Firm, we help accident victims recover compensation after serious crashes—including those involving uninsured or underinsured drivers. We understand the tactics insurers use to delay or deny rightful claims, and we’re committed to advocating for the full financial recovery our clients deserve.
If you or a loved one has been injured in a crash and the other driver is uninsured, don’t navigate the claims process alone.