What to Do After a Crash With an Uninsured Driver

Being involved in a car accident is unsettling no matter the circumstances, but the situation becomes even more overwhelming when the other driver doesn’t carry insurance. While most states require motorists to maintain liability coverage, many people still choose to drive without it. When an uninsured driver is responsible for a collision, recovering money for medical care, missed work, and vehicle repairs can be more difficult—but it is not impossible. Several avenues may still be available to help you move forward.

Immediate Steps to Take After the Accident

The actions you take right after the accident can make a meaningful difference in the outcome of your claim. Your first priority should always be safety. Check yourself and others for injuries and call emergency services if anyone is hurt. Once everyone is out of harm’s way, contact law enforcement so they can document the incident with an official accident report.

Before leaving the scene, gather as much information as you reasonably can. Get the other driver’s contact details and vehicle information, even if they do not have insurance. Take photos of both cars, the surrounding area, and anything else that may be relevant. These details can provide essential support should you need to pursue an insurance claim or legal action later. As soon as you’re able, notify your insurance company and provide them with an accurate description of what happened.

Most states rely on an “at-fault” system, meaning the driver who caused the accident is responsible for the resulting damages. Because of this, the claims process depends heavily on who is ultimately found to be at fault. The police report, photographic evidence, and witness statements can all play a role in determining liability.

Using Your Own Insurance Coverage

If the uninsured driver caused the crash, your insurance policy may offer protections that help pay for your losses. Many drivers choose to carry uninsured motorist (UM) or underinsured motorist (UIM) coverage for situations exactly like this. These coverages can help pay for medical care, lost income, and sometimes even property damage when the responsible driver does not have enough—or any—insurance of their own.

Other optional coverages can also come into play. Collision coverage may help pay for repairs to your vehicle regardless of fault, while personal injury protection (PIP) can help cover medical expenses and certain related costs even if you caused the accident. If you carry these types of coverage, you may be able to recover a significant portion of your financial losses through your own policy.

However, if you do not have UM, UIM, collision, or PIP, your options for reimbursement through insurance may be more limited. This is why reviewing your coverage regularly and understanding what your policy includes is so important.

When Legal Action May Be an Option

If insurance does not fully cover your expenses—or if you do not have the optional protections needed to rely on your own policy—you may consider filing a lawsuit against the uninsured driver. Suing the at-fault motorist may allow you to recover compensation for medical bills, lost wages, damage to your vehicle, and pain and suffering.

However, pursuing a lawsuit is only practical if the uninsured driver has financial resources or assets that could satisfy a settlement or judgment. Many drivers who lack insurance do so because they cannot afford it, which may also mean they do not have the ability to compensate you even if the court rules in your favor.

Before moving forward with legal action, it is often helpful to speak with an experienced car accident attorney. They can evaluate the driver’s financial situation, help you understand the likelihood of recovering compensation, and guide you on how to document your damages effectively. Their insight can be especially valuable when determining whether a lawsuit is worth the effort and expense.

Handling Hit-and-Run Accidents

Accidents involving hit-and-run drivers follow a similar process to those involving uninsured drivers. Since the responsible driver cannot be found or identified, your uninsured motorist coverage typically applies. You will still need to file a police report promptly and notify your insurer with as much detail as possible. Providing photos, witness statements, and any identifying information you recall—even small details—can help law enforcement with their investigation.

Seeking Professional Support

Trying to navigate an accident involving an uninsured driver can leave you feeling confused and overwhelmed, but you do not have to work through it alone. Speaking with an attorney can help you better understand your rights and the options available under your insurance policy. They can assist with filing claims, negotiating with your insurer, and ensuring your interests are protected throughout the process.

While the situation may feel frustrating, taking quick, informed action can minimize the financial and emotional impact of the crash. By documenting the scene, understanding your coverage, and consulting with professionals when needed, you can put yourself in the best position to recover the compensation you deserve and move forward with confidence.