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What if the Other Driver Has No Insurance?

What if the other driver who hit me has no insurance? Unfortunately, that’s a common question.

The answer may be dependent on your own auto insurance policy. If you were fortunate enough to be offered and to have purchased what’s called uninsured or underinsured motorist insurance protection, then your insurance company is liable for the balance of your damages up to the amount of your policy. This uninsured or underinsured motorist insurance coverage will also protect you if the other driver is completely uninsured or if you’re the victim of a hit and run accident.

However, be careful. Do not settle with the other driver without obtaining the consent of your own insurance company otherwise you may loose your right to those benefits. If you have any questions, please contact our experienced car accident lawyers to discuss your case for free.

Contact our accident lawyers anyway. There may be insurance that is not readily apparent, maybe the driver was on the job, maybe there was a defect in the car that caused the wreck, or perhaps the car is registered to another owner.

In addition, we would be happy to review your own insurance policy to make sure that you’re getting all the benefits you’re entitled to.