Seegmiller Johnson Attorneys > Practice Areas > Automobile Accidents > No Insurance Coverage

The Person Who Hit Me Doesn't Have Insurance. Now What?

Being involved in a car accident can cause a litany of problems other than just a damaged vehicle. Not only will you have to determine who was at fault and should be held liable, but you will also have to deal with the auto insurance companies and their adjusters.

But what do you do if the other driver has no insurance? Is there any way to recover compensation for the losses you have sustained? Can you sue the other driver instead of their insurance company?

If you are involved in a car accident where the other driver has no or too little insurance, you may still be able to recover compensation to help you pay for the losses you have endured. You may be able to file a claim for compensation from your own insurance company if you have uninsured or under-insured driver coverage on your policy. By filing a claim under the uninsured driver portion of your automobile insurance, your insurance company would pay for your injuries or other losses. They would then turn around and sue the other insurance company or driver for the sum of money they paid you.

If you do not have the uninsured or under-insured coverage on your insurance policy, you may still be able to recover compensation by filing a personal injury claim against the other driver. By doing this, you would be suing them directly for the losses you have endured instead of filing a claim against their insurance company.

Either of these options can be very difficult to handle alone. In fact, it is often more difficult to get your insurance company to compensate you than another driver's insurance company.

If you are forced to file a personal injury claim and sue the other driver for your losses, an experienced personal injury lawyer is absolutely necessary. The attention to detail and investigation that may be required during your personal injury claim, can often time be too much for the average policyholder. Since you will need to show that the other driver's negligence is the direct cause of your losses, having an experienced personal injury lawyer helping you through this process is essential.

If you have been involved in a car accident where the other driver didn't have any auto insurance, or if they are underinsured and are unable to compensate you for your losses, contact the experienced car accident lawyers at Seegmiller Johnson to schedule your free initial consultation .