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Steps to Take When Hit By Uninsured Driver
Friday, 03 September 2021

Auto accidents can lead to severe vehicle damage and expensive medical bills. You may also lose your life in such an occurrence. It’s the reason the law requires all vehicles to have liability insurance.

But some drivers don’t have their cars insured due to ignorance, evading costs, or other reasons. Statistics indicate that approximately 13% of drivers don’t have auto insurance. When such a driver causes an accident, everyone involved gets affected.
In this article, you will learn what to do when hit by an uninsured driver. When another driver hits you, they are in the wrong. That driver should pay for the property and bodily damage. However, if the driver is not insured, you will have the following options;

Your Options When Hit By Uninsured Driver

1. You can have your insurance pay for the vehicle repairs and any medical bills incurred
2. You may decide to avoid the tedious reclaiming process by sorting the costs yourself
3. Sue the uninsured driver for the damages caused
4. Combine the above three
When hit by an uninsured driver, you need to take the following steps to protect yourself.

Steps to Take When Hit By Uninsured Driver

Step 1: Report to the Police

It’s the first thing to do. Avoid persuasions from the culprit not to report. It may deter you from receiving compensation from the uninsured driver and your insurance company.
Without a police report, it becomes a hard nut to crack when proving the cause of the accident. Also, the law requires you not to leave the accident scene unless;
  • Looking for help
  • Seeking medical care
  • Escaping from an unsafe situation
You should call 911 or report the accident before leaving the scene. If you don’t report, it means you left the accident scene illegally, and you could face legal penalties. When the police arrive, they collect all the necessary information about the accident and create a report.

Step 2: Do Not Accept Liability

After calling the police, give them all the information they need but never accept liability, whether wholly or partially. If you do, you may end up paying part or all of the damages caused by the accident.
Your car insurance will have to cover the damages caused to the other driver if you admit liability. Avoid saying potentially self-incriminating statements.

Step 3: Seek Medical Attention

When you leave the accident scene, visit a medical center for evaluation and treatment if you suffered any injuries. Some injuries don’t manifest immediately after the accident. You may stay for some hours or days before experiencing pain because the damaged area was numb.
Also, some injuries worsen with time, explaining why you need to have them attended to immediately.

Step 4: Engage All Your Insurance Companies

After receiving treatment and stabilizing yourself, it’s time to get in touch with your insurance companies. If your car experienced some damages and you got injured, engage your health and car insurance providers.
Because your insurers have their worry pointers, you need to be careful how you deal with them. You may end up not being paid. Get a detailed medical report from a competent medical expert and hand it to your health insurer.
Also, get a police report showing the details of the accident and use it when launching your auto insurance claim.

Step 5: Engage a Trusted Attorney

Insurance companies can be tricky and complicated to handle. In the process, you may fail their authentication process and lose out on their help.
That’s why it’s advisable to use your attorney to engage the insurance companies on your behalf. Go for a trusted and reputable car accident attorney.
The attorney will have your best interests at heart. Also, they will help you understand the process and requirements. The attorney’s services may include;
  • To gather all the information you need to launch an insurance claim
  • Negotiate on your behalf with the insurance companies
  • Support your claim throughout the process
  • Go through the legal process of claiming for the damages incurred on your behalf


As illustrated above, it’s not the end of the road when you get hit by an uninsured driver. You can opt to use some or all of the above options. Follow these steps for your safety and ensure you get compensated when hit by a driver with no insurance.
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