What If I Was Hit by an Uninsured Driver?

In most states, driving an uninsured vehicle is termed as an illegal act. If arrested, you may have to face dire consequences, such as having your license suspended. You can also be jailed or heavily fined. 

Statistics show that one out of eight drivers drive without auto insurance. You can be in an accident with an uninsured driver at any time.

If such an unfortunate ordeal occurs, you may panic and not know what to do. If you are critically injured, this can force you to make poor decisions. 

You may inform a loved one who can help you take details of the uninsured driver as you seek medical attention. Always ensure you are not at fault to be eligible for compensation.

Here are some tips to follow to make sure you get the compensation you deserve.

Alert the Police

Should an accident occur despite the other party being insured or not, it is wise to first inform the authorities. They will be able to take a record of what happened and also get the correct information from the other party. 

Once you inform the police, you will be assured that the uninsured driver will be brought to justice even though they try running away. 

Your Staten Island car accident lawyer can help you sue the uninsured driver for the injuries incurred. Witnesses can also be beneficial during the claim process, so be sure to ask them for their contact info.

Take Pictures

It is advisable to capture pictures of the accident scene you are involved in. For instance, if your car has been hit from behind, taking clear pictures can come in handy when claiming for compensation. They will be able to show the extent of damage caused to your car.

If it is a hit-and-run accident, you may not be able to identify the driver. You can quickly take pictures before the car disappears. Make sure the picture is clear to show the vehicle’s registration number. This will aid your Staten Island car accident lawyer with information when filing a lawsuit against the other driver.

Refuse Payment

Most of the uninsured drivers will try offering you money to avoid the consequences that come with driving an uninsured vehicle. It may seem like an attractive deal to clear up the mess and end things quickly.

However, it would be best if you did not accept it, since you do not know the cost of the damage made. You may overlook the case, and it ends up costing you more than you thought. 

It would be wise to let your Staten Island car accident lawyer deal with the uninsured driver. Your lawyer will be able to evaluate the case critically and determine its worth.

Always Ensure You Have Uninsured Motorist Coverage

Uninsured motorist coverage covers costs for medical expenses in case you are hit by an uninsured driver. You should immediately contact your insurance company and make them aware of the accident.

Typically, it would help if you filled them in with your details and the police number to show that you have already involved the police. Once they get the details, they will help cater for the damages or injuries you have sustained. The best thing with this coverage is that it will be helpful when such a misfortune happens.


You cannot predict what will happen once you get on the road. Even if you are careful on the road, that does not protect you from the recklessness of other drivers. If you are hit by an uninsured driver, you should not panic. Instead, try gathering any information that will help when seeking compensation.