What To Do If Someone Without Insurance Hits Your Car

If you’re unfortunate enough to be involved in a car accident with someone who doesn’t have insurance there are a few steps you can take to ensure that you’re not left high and dry.

First and foremost try to stay calm and avoid getting into a heated argument with the other driver. This isn’t going to help anyone and will only make the situation more stressful.

If you have your phone with you call the police and make a report. Even if the other driver doesn’t have insurance they may still be held liable for any damage they caused to your vehicle.

If you have comprehensive coverage on your own insurance policy you may be able to make a claim under that. However you will likely have to pay a deductible and your rates may go up at renewal time.

You can also choose to sue the other driver but this can be a long and expensive process with no guarantee of success.

In the end the best course of action may be to simply bite the bullet and pay for the repairs yourself. It’s not ideal but it’s better than getting stuck with a huge bill and no way to pay it.

Table of Contents

What do you do if someone without insurance hits your car?

Answer: You can sue the driver that hit you or file a claim with your own insurance company if you have uninsured motorist coverage.

What information do you need to exchange with the other driver?

Answer: You should exchange your name address phone number driver’s license number and insurance information with the other driver.

What should you do if you can’t exchange information with the other driver?

Answer: If you can’t exchange information with the other driver you should call the police.

What should you do if the other driver doesn’t have insurance?

Answer: If the other driver doesn’t have insurance you can sue the driver that hit you or file a claim with your own insurance company if you have uninsured motorist coverage.

What should you do if you’re injured?

Answer: If you’re injured you should see a doctor as soon as possible.

What should you do if the other driver is at fault?

Answer: If the other driver is at fault you should file a claim with their insurance company.

What should you do if the other driver is not at fault?

Answer: If the other driver is not at fault you can file a claim with your own insurance company.

What should you do if you have damage to your car?

Answer: If you have damage to your car you should get it repaired as soon as possible.

What should you do if the other driver doesn’t have insurance and is at fault?

Answer: If the other driver doesn’t have insurance and is at fault you can sue the driver that hit you.

What should you do if the other driver has insurance but is not at fault?

Answer: If the other driver has insurance but is not at fault you can file a claim with your own insurance company.

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What should you do if you don’t have insurance?

Answer: If you don’t have insurance you can file a claim with the other driver’s insurance company if they’re at fault or you can sue the other driver if they’re not at fault.

What should you do if you have insurance but the other driver doesn’t?

Answer: If you have insurance but the other driver doesn’t you can file a claim with your own insurance company.

What should you do if you have uninsured motorist coverage?

Answer: If you have uninsured motorist coverage you can file a claim with your own insurance company.

What should you do if you don’t have uninsured motorist coverage?

Answer: If you don’t have uninsured motorist coverage you can sue the driver that hit you.

What should you do if you’re not sure what to do?

Answer: If you’re not sure what to do you should call your insurance company and ask for advice.

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