Home » Practice Areas » Car Accident Lawyer » What Happens If the At-Fault Party Doesn’t Have Car Insurance?


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If the at-fault party does not have actually vehicle insurance, you have the right to file a compensation claim via your insurance company or file a lawsuit against the negligent party.

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When you are in an accident, you might suppose the various other driver to have auto insurance, yet this is not constantly the situation. We cannot constantly count on various other vehicle drivers to be insured, and it is important to recognize what your options are if you gain right into an accident with someone who lacks coverage.

According to the Insurance Information Institute (III), “78 percent of insured motorists purchase comprehensive coverage in addition to licapacity insurance, and 74 percent buy collision coverage.” There are world who drive without insurance, though, and drivers that are underinsured, so it is excellent to check out your alternatives once you have to deal with these kinds of motorists.

Handling a Car Accident with an Uninsured/Underinsured Driver

You still follow the very same procedures as in any type of other car accident once the at-fault driver is uninsured or underinsured. If you have not already, make sure you see a medical professional. If you feel fine and also execute not think it is essential, remember some injuries can take a couple of weeks or even months to manifest. You may finish up needing medical therapy that you deserve to look for compensation for.

The police need to be involved to file a report, which will certainly contain essential details that deserve to be provided as proof versus the at-fault driver. An uninsured driver might not desire to acquire regulation enforcement associated out of fear of the results of being uninsured, however being compensated reasonably is what is the majority of necessary. The at-fault driver chose to take a danger, neglecting to obtain auto insurance, and you do not have to cover for them and also miss out on the financial award you deserve.

Pictures of the scene, your automobile, and also your injuries have the right to also assist your case if you have them. If adjacent video security videotaped the accident, this is substantially helpful if the at-fault driver denies bring about the accident. You may also desire to take a photo of their license plate.

You need to exadjust call indevelopment with the various other driver and witnesses. Statements that witnesses are willing to offer can really strengthen a case.

Make sure you report the accident to your insurance agency, also. If the various other driver has actually inadequate coverage, you will learn what your insurance agency can provide you through when you contact them.

Your Options if the At-Fault Party Does Not Have Car Insurance

Drivers who were in an accident with a negligent driver have to not assume they will not get compensation if the other driver does not possess auto insurance.

Applying Your Uninsured/Underinsured Motorist Coverage if You Have It

Drivers are motivated to carry uninsured and also underinsured motorist coverage. If an uninsured or underinsured driver injures you or reasons damages to your car, your insurance company will certainly assist pay for the expenses you incur, offered you have this form of coverage. Some says require both uninsured and underinsured motorist coverage.

If the at-fault driver carried a small amount of insurance and also it does not pay for all your damages, your underinsured motorist coverage helps pay for what the at-fault driver’s policy might not. A vehicle accident through an uninsured or underinsured driver deserve to be frustrating, and also you have to not procrastinate on filing a claim.

Your insurance agency will certainly likely ask for proof of your injuries, clinical therapy, and damage to your automobile, and conduct an investigation. If you feel as though your insurance agency is devaluing your case, you might desire to hire a automobile accident lawyer, as they are familiar with negotiating through insurance service providers and also can litigate the case if the insurance firm is not being cooperative.

Filing a Lawsuit Against the At-Fault Driver

Not every state needs uninsured or underinsured motorist coverage, so not everyone will certainly have actually it. If you execute not, you have the alternative of filing a lawsuit versus the at-fault party. A automobile accident lawyer can aid you and offer guidance. They can really advantage your case as they want you to check out the best possible outcomes. They will certainly determine what is in your ideal interest to perform. The goal is obviously to be compensated for dameras you experienced through no fault of your very own, and also a lawyer may be able to assist make that occur.

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Call Ben Crump Law, PLLC for Aid through Your Case

You desire to be knowledgeable around what happens if the at-fault party does not have actually automobile insurance. Ben Crump Law, PLLC is below for you once you proficient an accident with an uninsured or underinsured driver and want legal assist. You need to not have to pay out-of-pocket prices for your clinical treatment. Call this day for your totally free instance evaluation at 800-959-1444.