What Can I Do When The At-Fault Driver Has No Insurance?

Car accidents can result in severe injuries, particularly if vehicles traveling at great speeds are involved. While you expect the insurance company to cover your damages and medical expenses, the truth is that not every driver carries the proper amount of insurance. In fact, some drivers continue to operate their vehicles without any insurance coverage at all.

So what happens if the driver responsible for your injuries doesn't have enough insurance to cover your lost wages and medical care, or worse, doesn't carry any insurance? Are you stuck footing the bills yourself or do you have other options? The answer depends on your own insurance coverage.

UM/UIM Insurance: The Basics

If you or a loved one suffers an injury in a car crash caused by a driver who doesn't carry enough insurance, you may be protected if you purchased uninsured motorist and underinsured motorist (UM/UIM) coverage in your own policy. Essentially, UM/UIM coverage protects you by covering your losses should the at-fault driver not have enough insurance to pay for all of your damages ― or no insurance at all. UM coverage may also come in handy if you are unable to identify the at-fault driver, such as in a hit-and-run accident.

It is also worth noting that if you choose no-fault coverage, your damages and medical expenses will be covered up to your policy limit, regardless of which driver is at fault.

Ultimately, your legal options following an accident largely depend on the coverage purchased by both you and the other driver. Given the many policy options and complex laws, it can be difficult to navigate these options without legal guidance. This is why you need to contact an attorney right away.

Need Help? Contact Cohen, Feeley, Altemose & Rambo For A Free Consultation.

At Cohen, Feeley, Altemose & Rambo, our lawyers will help you identify and pursue every legal option available following a severe car accident. We will answer any questions you have about your insurance coverage and how to take advantage of your rights.

We have helped many people and their families obtain the compensation they need after auto accidents, including those in which other drivers did not have insurance. Whether your collision has resulted in broken bones, spinal cord injuries, back and neck injuries, or head injuries, we have the resources and legal knowledge to help you through the process.