What to Do When You Are Hit by An Uninsured Driver

Posted on May 9, 2018

Car accidents can happen, more often than we would like. If you’re lucky, the process of fixing a small fender bender can go smoothly. But what happens when someone who is illegally uninsured hits you?

Photo by Clem Onojeghuo on Unsplash

The best thing to do is always seek legal advice immediately if you have been hit by an uninsured driver. You are less likely to be able to file a claim with your insurance company the longer you wait. Often times, you only have a 30-day window to file a claim. If the driver stops and you get all of their information, consult with an attorney to help decide if you should take legal action. It will depend on several factors and all accidents are unique.

What happens if it is a hit and run?

There are things you can do to still get money reimbursed if you are involved in a hit and run. You will just have to file an uninsured motorist claim with your insurance. But you should also still consult with an attorney to discuss all of your options.


In most cases, your insurance company will only pay you enough to cover damages. And it will all depend on your current insurance policy. If you are able to, try to get the following damages covered if you are involved in an auto accident with an uninsured driver.

Exemplary Damages­ – Also known as punitive damages, these are the damages that end up being charged to the offender, which could include reckless driving.

Nominal Damages – Did you suffer more than just physical injuries in your accident? You might want to consider trying to collect these damages, especially since they are usually not covered by insurance.

Full payment – If you pay monthly premium for an insured drive policy with your insurance company, that could be responsible for paying up to $30,000 in damages for injuries caused in the accident.