BY SOLO INSURANCE®  Updated Aug 2026, Original Jul 2021

What to do after an accident with an uninsured driver.

What do you do after an accident with an uninsured driver? Something no one wants to say: “What do you mean the driver that hit me doesn’t have car insurance?” It’s bad enough to be in an accident at all, but with an uninsured motorist it’s even tougher.

Being in an accident is one of the most annoying situations, especially when it’s not your fault. The time, the repairs, the hassle, the expense all add to the stress level! And, hopefully, injuries are not involved. You worry about your safety and that of others with you. Then you worry about the condition of your car. You also worry about the other driver.

In situations like this, auto insurance is there to help. Many states require Uninsured Motorist coverage. In the ones that don’t, we recommend getting it. Sometimes in car wrecks, the other drivers are at fault. This means they made mistakes that led to the accident. When this occurs, their auto insurance should be responsible for the loss you face. But what happens if the driver doesn’t have insurance?

Having Car Insurance Is a Legal Requirement.

In most states, drivers must have car insurance to operate vehicles on public streets. They require at least Liability to help cover damage a driver may cause. In this case, the other driver’s liability insurance should be responsible for your loss.

However, there are situations where the other driver’s insurance lapsed. Regardless, uninsured drivers are still responsible for the damage they cause. So what to do after an accident with an uninsured driver? You may have to resort to a lawsuit to cover your losses. Before you do that, you could turn to your own car insurance plan.

Get your car insurance quote.

Will Your Car Insurance Help?

Most auto insurance policies allow you to maintain Underinsured and Uninsured Motorist coverage. This type of coverage protects you when the other driver lacks insurance. Sometimes it is only for bodily injury; plus, it only applies if the other driver is responsible for the loss. The key is to talk to a knowledgeable claims adjuster.

Uninsured Motorist is a must for many drivers. Why? There’s no way to know if the other drivers have proper coverage till it’s too late. Therefore, you protect yourself as much as possible. This aspect of car insurance is often inexpensive. It’s usually easy to add to an existing insurance policy, if you do so before any incidents.

Often, you can’t avoid being hit by an uninsured motorist. What you do after an accident with an uninsured driver is important. If possible, when you’re in this situation: document with pictures, write down what happened when it’s fresh, and get a police report. When choosing car insurance, Underinsured and Uninsured coverages are good investments. They help when you didn’t cause a problem but suffer a loss. This can happen to anyone. With coverage, you have less worries about the outcome. If you don’t have this coverage, talk to your car insurance provider. Ask about your options to add it to your current policy. If you need a quote, we are happy to help you. Click here to get your car insurance quote.

🚗  -----  🚗  -----  🚗  -----  🚗  -----  🚗  -----  🚗  -----  🚗
Solo Insurance® where great rates and personalized service meet.   – NO FEES – Veteran/Family owned since 1994 –
We shop the rates for you upfront and at renewals to ensure you get our best rate every time.
Solo Insurance® ~ 800-207-7656 ~ Soloinsurance.net ~ Get a car insurance Quote here ~ Like us on Facebook
Over 30 years in business helping people navigate car insurance with top insurance carriers,
because at Solo, you’re a person, not a policy.