What Happens If I’m Hit by a Driver With No Car Insurance?

Car crash

Getting into a car accident is rough, but getting hit by someone who doesn’t have car insurance can make things even more difficult. If you’ve been hit by a driver with no car insurance, learn what options are available to you and how a car accident lawyer can help guide you through this difficult process.

Uninsured Motorist Coverage

When you get into a car accident with someone and that person is deemed at fault, you would typically make a claim against their auto insurance policy. However, if that driver does not have auto insurance, you will need to file a claim with your own insurance company’s uninsured motorist coverage up to your policy limits. You may also choose to file a lawsuit against the negligent driver, but this can be a difficult process that’s best done with the assistance of a personal injury or car accident lawyer.

Making an Uninsured Driver Claim

As soon as you suspect or realize that the negligent driver does not have car insurance, you need to inform your own insurer that you may need to file an uninsured motorist claim with them. Insurance companies usually have deadlines for alerting them, many are as brief as 30 days, so inform them of your decision as soon as possible.

Uninsured driver claims generally progress much the same way as regular auto accident claims. Your insurer will launch an investigation to gather evidence such as witness depositions and your medical records relating to the injuries from your accident. You want to be as reasonably cooperative during this process as you can. If you and your insurance company are unable to come to an agreement on a settlement amount, you can’t file a lawsuit against them.

Rather than filing a lawsuit against your insurer if you can’t agree on the settlement, you must submit a claim to binding arbitration. Binding arbitration is a hearing in front of an arbitrator or a panel of arbitrators that is more informal than a court procedure. The arbitrator or panel decides whether you or your insurer wins. Unlike a court trial, if you lose, your options for an appeal are very limited. Consult with your car accident lawyer to make sure you are acting in your best interests.

Contact a Car Accident Lawyer

If you’ve been in an accident with a driver who doesn’t have auto insurance, an experienced car accident lawyer can help you through the claims process. Mike Lewis Attorneys is proud to have law offices in both Greensboro and Winston-Salem, North Carolina. Altogether, our talented attorneys have over 150 years of legal experience, and we’re here to help you. Contact us today for more information.

Call 866-299-1769 or use the Free Case Evaluation form to schedule a free consultation.
  • Reasons to Hire a Greensboro Car Accident Lawyer

    Reasons to Hire a Greensboro Car Accident Lawyer

    After being hurt in a car accident, it’s common to have to deal with a wave of emotions, including anger and frustration. While this is certainly understandable, it can cause you to respond to the accident the wrong way, possibly …Read More »
  • Getting Your Medical Records: Your Rights

    Getting Your Medical Records: Your Rights

    When the time comes to get access to medical records, it’s imperative that you know your rights. These rights include the ability to access your records whenever you need them, regardless of whether you’re switching doctors, pursuing a personal injury …Read More »
  • Can I Make a Wrongful Death Lawsuit Claim?

    Can I Make a Wrongful Death Lawsuit Claim?

    When someone dies through the fault of another person, there are two types of legal cases that can be brought. The first of these is the criminal case, which can result in prison time, fines, probation or other censures. The …Read More »
  • Protecting Yourself in Adverse Driving Conditions

    Protecting Yourself in Adverse Driving Conditions

    If you’re like many people, then you dread the possibility of being involved in a serious auto accident. While a car wreck can happen virtually any time you get behind the wheel, they are a particular threat during bad weather …Read More »
Call Us Toll Free 866-299-1769