Quick Answer: What Can I Do If An Uninsured Driver Hits Me?

Is it worth suing an uninsured driver?

Why You Shouldn’t Sue Uninsured Drivers Most under or uninsured drivers don’t carry the insurance they need because they can’t afford it.

A lawsuit cannot take money a defendant doesn’t have.

There are instances where suing an uninsured (or underinsured) is worthwhile like when the defendant has suitable assets..

Can an uninsured driver sue an insured driver?

Most states that have a requirement that you maintain a minimum amount of insurance. … If the insured driver carries an uninsured/underinsured policy they may proceed with a claim against their own insurer, or if they feel that they will be able to collect a judgment they may proceed with a claim against you personally.

What happens if an uninsured driver crashes into you?

If the responsible party is uninsured In accidents involving an uninsured driver, the MIB advises that the accident should be reported to the police within 14 days for claims involving personal injury. … You might not have to pay an excess depending on when the accident happened.

Do insurance companies go after uninsured drivers?

If you don’t have uninsured motorist coverage on your own insurance policy, you cannot make a claim or recover damages against an uninsured driver. … Insurance companies work by filing claims against other insurance companies, so if there isn’t one, there’s literally no way for the insurance company to recover damages.

Can an uninsured driver make a claim?

If you drive without insurance, and you are involved in an accident that injures both drivers, the other driver may seek to claim damages against you – whether or not you file your own claim. It is in every California driver’s best interests to make certain that you have adequate automobile insurance coverage.

Can police tell if you don t have insurance?

With new technology, the unfortunate answer is yes, cops can tell if you do or do not have insurance by running your plates. In fact, it is one of the most common ways police catch uninsured drivers. And Your plates can even be scanned by cameras on the highways.

What happens if someone hits me without insurance?

If the party at-fault does not have insurance, they are personally liable for all damages, medical costs, damage to public property, and other third-party costs. The challenge as we mentioned earlier is many uninsured drivers do not have the funds to pay for the damages.

Is an uninsured driver automatically at fault?

Is an uninsured driver automatically at fault after a car accident? The short answer is no. But even if you’re not at fault, you could still be penalized with fines, license suspension or even jail time (depending on your state) if you’re caught driving without auto insurance.

What happens if a driver doesn’t have insurance?

If the other driver doesn’t have insurance, it’s up to you to pay for the damage they caused. You’ll call your insurance company to file the claim, and they’ll pay for your medical bills and any damage to your car that requires repair provided you have uninsured motorist coverage.