The Uninsured Motorist Problem
Despite legal requirements, a significant percentage of drivers are uninsured — estimates suggest 12-14% of U.S. drivers nationwide, with higher rates in some states. Being hit by an uninsured driver complicates your recovery, but options exist.
Your Uninsured Motorist (UM) Coverage
Uninsured motorist (UM) coverage in your own auto policy is specifically designed for this situation. It covers your injuries and sometimes property damage when an uninsured driver causes the accident. If you have UM coverage, file a claim with your own insurer — they step into the shoes of the uninsured driver.
Suing the Uninsured Driver
You can sue an uninsured driver directly. If you win a judgment, you can pursue collection — wage garnishment, bank levies, property liens. The practical challenge is that many uninsured drivers have limited assets, making collection difficult even with a judgment.
Other Potential Sources of Recovery
- MedPay or Personal Injury Protection on your own policy may cover immediate medical costs
- If the accident involved a commercial vehicle, the driver's employer may have coverage
- If the accident happened on someone\'s property, their premises liability insurance may apply
- Your health insurance covers medical bills regardless of the at-fault driver\'s insurance status
Get Legal Help in Your City
InjuryClaimSource is an educational resource. We are not a law firm and do not provide legal advice. Consult a qualified personal injury attorney for advice about your specific situation.