Getting into a car accident is already stressful, but finding out the other driver doesn’t have insurance? That can make things even worse. You’re left wondering who will cover the damage, how your medical bills will be paid, and whether you’ll be stuck handling everything alone. The good news? You do have options. Let’s go over what you need to do if an uninsured driver crashes into you.
Step 1: Call the Police—No Matter What
After any car accident, the first thing you should do is call 911. This is even more important when the other driver doesn’t have insurance. A police report can help prove what happened and give you an official record of the accident.
The other driver might try to talk you out of calling the police. They may promise to pay for damages out of pocket or claim it’s “no big deal.” Don’t fall for it. Without a police report, it’s much harder to prove what happened later. If they change their story or disappear, you could be left covering all the costs yourself.
When the police arrive, make sure to get a copy of the accident report. This will be useful when filing an insurance claim or if you need legal help.
Step 2: Gather as Much Information as Possible
Since the other driver doesn’t have insurance, it’s even more important to collect every bit of information you can. Here’s what to write down or take pictures of:
- The other driver’s name, phone number, and address
- Their vehicle’s make, model, and license plate number
- The location of the accident
- Any damage to both vehicles
- Road conditions, traffic signals, and anything else that could be relevant
- Contact information for any witnesses
If you have a dashcam, save the footage immediately. Videos and photos can help prove what happened if the uninsured driver later tries to deny fault.
Step 3: Check Your Own Insurance Policy
Even though the other driver doesn’t have insurance, your own policy might still help. If you have uninsured motorist coverage (UM), your insurance will step in and pay for damages—just like it would if the other driver had insurance.
Many states require uninsured motorist coverage, but even if it’s optional where you live, it’s a good idea to check if you have it. This type of coverage can help pay for:
- Car repairs
- Medical bills
- Lost wages if you can’t work
- Pain and suffering, depending on your policy
If you don’t have uninsured motorist coverage, you may still be covered under collision insurance for vehicle repairs. Health insurance can also help with medical bills, but you’ll likely have to pay out-of-pocket costs like copays and deductibles.
Since insurance policies can be confusing, talking to your trusted auto and vehicle accident law firm can help. They can review your coverage and let you know what compensation you’re entitled to.
Step 4: Consider Suing the Uninsured Driver
If the uninsured driver was at fault and your insurance won’t fully cover your losses, you can file a lawsuit against them. This means taking them to court and asking a judge to order them to pay for your damages.
However, suing an uninsured driver isn’t always the best option. Many drivers without insurance don’t have much money or assets. Even if you win your case, you might not actually get paid. That’s why it’s important to talk to a lawyer first—they can help determine whether a lawsuit is worth your time.
Step 5: Watch Out for Scammers
Believe it or not, some uninsured drivers cause accidents on purpose. They hope you won’t report the crash so they can avoid getting in trouble. In some cases, they may even try to blame you for the accident and file a false claim against your insurance.
Here’s how to protect yourself:
- Never accept cash at the scene in exchange for not calling the police
- Get everything in writing—don’t rely on verbal promises
- Take photos of the accident, your car, their car, and their license plate
- If something feels off, tell the police when they arrive
Scammers count on drivers feeling overwhelmed and unsure of what to do. Stay calm, follow the steps above, and don’t let them pressure you into making a bad decision.
Step 6: Take Care of Yourself After the Accident
Accidents aren’t just about car damage and insurance claims. Your health is the most important thing. Even if you feel fine, get checked by a doctor as soon as possible. Some injuries, like whiplash or concussions, don’t show symptoms right away.
If you start feeling pain, dizziness, or discomfort in the days after the accident, don’t ignore it. Seeing a doctor early can prevent bigger health problems later—and it also helps document your injuries if you need to file a claim.
How to Protect Yourself in the Future
The best way to deal with an uninsured driver is to be prepared before an accident even happens. Here’s what you can do:
- Check your insurance policy and add uninsured motorist coverage if you don’t already have it.
- Get a dashcam. It can be your best proof if the other driver tries to lie.
- Always call the police after an accident, no matter what the other driver says.
- Know your rights so you don’t get tricked or pressured into a bad deal.
Car accidents are never fun, and dealing with an uninsured driver makes things even harder. But if you follow the right steps, you can protect yourself, get the compensation you deserve, and avoid getting stuck with all the costs.
