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The driver of the other car doesn’t have insurance. What do I do?

6 Nov 2018

Getting into an accident is hard enough. If the other driver doesn’t have car insurance, it’s important to know how to proceed. If they don’t have insurance, they will likely be fined by law enforcement. However, that doesn’t concern you. What you need to focus on is how you can get the financial compensation needed to deal with car repairs, medical bills, and everything else. This is when it’s vital to work with a personal injury lawyer.

The Accident
The moment you get into an accident, you should call the police. This will ensure that the accident is accurately reported. You don’t have to be the one to talk to the other party. That is what the police is there for. The police will find out if the other people have insurance. If they don’t have insurance, then they will provide you with their information in the “exchange of information” document that is provided to both parties.

Driving without car insurance is a crime. The people could be fined or even imprisoned. It all depends on how many times it has happened in the past. That part is not your concern. What you now need to look at is how you deal with fixing your car and paying any medical bills since the other party doesn’t have any kind of insurance. It’s not as easy because many accidents are handled between the insurance companies.

Your Car Insurance
Your car insurance might be able to help you to some degree. Much of it will depend on what happened and what kind of damages and injuries are in place. If you have uninsured motorist coverage, your insurance will take care of at least some of the damages. However, there are limits on insurance. If the damages/injuries are more expensive, you might not have enough coverage to take care of everything.

You shouldn’t be financially responsible for someone else’s mistake. If the other party was the one that caused a car accident, your car insurance shouldn’t have to take care of everything. They are the ones held financially responsible, which is why you need to look at a personal injury lawyer for additional assistance beyond your car insurance.

Creating a Lawsuit
You have the ability to hold the person without insurance responsible for the accident. If they were the cause of the accident, they are financially responsible. A lawyer will be able to create a lawsuit in order to seek financial compensation for the damages caused.

The total value of the compensation will factor in several different things:

Car damages

Medical bills

Time lost from work

Pain and suffering

The more information you can provide to the personal injury lawyer about the accident, the better. It will be critical to be able to prove to the court that the other party was responsible for the accident. With them not having any insurance, it also shows that they were driving illegally.

The person who doesn’t have insurance will be sued. How they pay for the damages does not concern you. They will be ordered by the courts to pay something if it all falls in your favor. This will allow you to move on with your life without going into debt because of someone else’s negligence or wrongdoing.

The best thing that you can do is make a call to a personal injury law firm. It will help you to learn about your options and what the next step is if you decide to sue the uninsured party. The sooner you can call and get the process started, the easier it will be.

You will need to sit down with a lawyer to decide if there is, in fact, a case. From there, you provide details of the police report and the accident for the lawyer to get started. There’s no telling how long the process will take. Once it is brought in front of a judge, you can find out if the other party will be held financially responsible. It will allow you to focus on getting the repairs to your car, medical bills covered, and more.

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