You were traveling with your family when another driver, seemingly not paying attention, slammed into your vehicle with theirs. In an instant, everything you planned for the future changed. You suffered a serious injury, and several of your loved ones did as well.
You felt a little comfort knowing that you could file an insurance claim to cover your losses, but that’s when you discovered that the driver wasn’t insured. They were breaking the law, but now they’re breaking your bank.
What should you do if someone hits you but isn’t insured?
If you plan to drive, it’s always a good idea to carry uninsured or underinsured motorist coverage. This coverage kicks in during situations like this to provide compensation and to pay for medical care and other needs. In States including Tennessee, Florida, New Mexico and others, the rate of those driving without insurance is as high as 28 percent. For that reason, having your own coverage is vital.
Of course, you will retain the option to sue the other party if you are severely hurt and your own coverage won’t be enough. In that case, you’ll need to set up an appointment with your attorney to hash out the details and begin a lawsuit against the other driver. The driver may not have assets to cover your needs, which is another problem that you should consider. If he or she is incapable of paying, the money may be slow in getting to you even with a court order.
Our site has more about what to expect if you’re hit by an uninsured or underinsured driver.