[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.zimmetzimmet.com\/blog\/what-to-do-if-youre-hit-by-an-uninsured-driver\/#BlogPosting","mainEntityOfPage":"https:\/\/www.zimmetzimmet.com\/blog\/what-to-do-if-youre-hit-by-an-uninsured-driver\/","headline":"What to do if you\u2019re Hit by an Uninsured Driver?","name":"What to do if you\u2019re Hit by an Uninsured Driver?","description":"Traffic accidents happen. If you get involved in a\u00a0car accident, it can sometimes be a comfort to know that auto insurance coverage \u2013 yours and that of the other driver \u2013 will help pay for the medical expenses and other damages. In some cases, the other driver may not have sufficient or any car insurance....","datePublished":"2020-09-15","dateModified":"2025-01-05","author":{"@type":"Person","@id":"https:\/\/www.zimmetzimmet.com\/blog\/author\/zimmet\/#Person","name":"Zimmet & Zimmet","url":"https:\/\/www.zimmetzimmet.com\/blog\/author\/zimmet\/","identifier":8,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/3010bdac5ced5112b2840e84f5233c0b7d763a33cb3d5b6de07a5a4b44884d69?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3010bdac5ced5112b2840e84f5233c0b7d763a33cb3d5b6de07a5a4b44884d69?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Zimmet & Zimmet","logo":{"@type":"ImageObject","@id":"https:\/\/www.zimmetzimmet.com\/wp-content\/uploads\/2024\/11\/footer-logo-blue.svg","url":"https:\/\/www.zimmetzimmet.com\/wp-content\/uploads\/2024\/11\/footer-logo-blue.svg","width":0,"height":0}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zimmetzimmet.com\/wp-content\/uploads\/2024\/11\/what-to-do-if-youre-hit-by-an-uninsured-driver.jpg","url":"https:\/\/www.zimmetzimmet.com\/wp-content\/uploads\/2024\/11\/what-to-do-if-youre-hit-by-an-uninsured-driver.jpg","height":1024,"width":1536},"url":"https:\/\/www.zimmetzimmet.com\/blog\/what-to-do-if-youre-hit-by-an-uninsured-driver\/","about":["Car Accidents"],"wordCount":612,"articleBody":"Traffic accidents happen. If you get involved in a\u00a0car accident, it can sometimes be a comfort to know that auto insurance coverage \u2013 yours and that of the other driver \u2013 will help pay for the medical expenses and other damages. In some cases, the other driver may not have sufficient or any car insurance. An example of such instances is a hit-and-run car collision.Most states require drivers to have vehicle liability insurance. Unfortunately, some drivers manage to get around these state regulations. Some people buy insurance long enough to get their cars registered and then cancel these policies. So, what will happen if the other driver in a car crash isn\u2019t insured?Call the policeIf you ever get involved in any\u00a0vehicle accident, regardless of the other driver has insurance or not, call the police. The law enforcement officials will document the accident scene and indicate whether the other driver has sufficient insurance or lack thereof. These details will make it easier to process the claim faster.You shouldn\u2019t accept money from the other driver. Since the other driver lacks auto insurance, there is a good chance they might try to offer you some cash to persuade you from taking legal action. At this point, you don\u2019t know the extent of damage to your vehicle or the nature of injuries you may have suffered. Accepting money might compromise your right to file a personal injury claim.Instead, you should exchange contact information, vehicle insurance details, driver\u2019s license details, and address information with the other driver. Try to get the vehicle registration number and model in case the other driver tries to flee the scene. This information will help the police to figure out who was involved in that crash.Insurance claim against an underinsured or uninsured driverNow that you have all the details, you need to prove that you got involved in an accident and the other driver doesn\u2019t have auto insurance, turn to your own insurer to cover your damages. This process isn\u2019t easy, and you need an attorney to help you figure out the right options.If the accident happened in a\u00a0no-fault state, the entire claim process might be different. A no-fault state means that regardless of who was to blame for the accident, it\u2019s your insurer who will pay your medical expenses and lost income. Whether the other driver is insured or not, you will still file the claim with your insurer.Get the right insurance coverageUninsured motorist coverage is additional coverage that can be purchased from most insurers. It protects the policyholder in case they get involved in an auto accident with an underinsured or\u00a0uninsured driver. This insurance cover is required in just a few states. Sure, auto insurance is mandatory in the United States, it\u2019s recommended for drivers to acquire the UIM coverage just to be sure that they\u2019re fully protected.Seek legal helpPersonal injury\u00a0claims involving an uninsured or underinsured driver is complicated. Your best course action is to immediately report the accident to the law enforcement officers and contact a\u00a0Florida personal injury attorney. He or she will help you report the incident to your insurer and find out how your coverage might apply.If you sustained severe injuries, there is a good chance you will end up spending a lot of resources. Therefore, talk to your attorney to figure out your options.Have you been injured in an accident or fall? Do You have question and want to know your legal options. Call 386-255-6400 for a free consultation and remember there is NO FEE unless WE Win."},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.zimmetzimmet.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"What to do if you\u2019re Hit by an Uninsured Driver?","item":"https:\/\/www.zimmetzimmet.com\/blog\/what-to-do-if-youre-hit-by-an-uninsured-driver\/#breadcrumbitem"}]}]