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What do I do if hit by an uninsured motorist?

Being involved in a car accident is never a fun experience and if you have been hit by a negligent driver, it can be particularly upsetting. If the negligent driver is an uninsured motorist, it can be even worse. If you are facing that situation, it is important to keep in mind that legal resources are available for victims of negligent drivers but you may be wondering what you do if that driver is uninsured or underinsured. The good news is that options may be available in circumstances involving an uninsured or underinsured motorist as well.

To begin with, victims of negligent drivers have important legal resources available to them to help with the physical, financial and emotional damages that are commonly associated with a motor vehicle accident. Personal injury legal options are available to victims injured in a car accident by a negligent driver and wrongful death legal options are available to surviving family members of victims killed in a car accident by a negligent driver.

Insurance companies are commonly involved in compensating victims for their medical expenses, lost wages, pain and suffering and wrongful death damages, as the case may be, following a car accident. When the negligent driver does not have insurance coverage, or adequate insurance coverage, uninsured motorist coverage and underinsured motorist coverage options may be available to assist victims and their families.

Because uninsured and underinsured motorist coverage may be available through the injured party's insurance company, and requirements vary by state, trained guidance through the sometimes complex and technical process can be helpful. In any event, it is of utmost importance that victims of car accidents harmed by a negligent driver are familiar with the legal options protecting them.

Source:, "Uninsured Motorist Insurance Coverage and Claims," Accessed March 20, 2018

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