What if the other driver doesn’t have insurance?
After getting into an accident, one of the first things you want to do is exchange information with the others involved in the accident. Some people may be hesitant to give their information to you, leading to believe they may be an uninsured motorist. If the others involved have no car insurance, you must turn to your own insurance and see if they will cover the costs for any damages or injuries. You will have to file an uninsured claim with the as soon as you can get ahold of them. Some companies may drop the case if it is not filed within 30 days of the accident being called in. To prevent a situation like this from happening, many insurance companies provide uninsured or under insured motorist insurance for driver. This insurance will cover you in case of a situation with someone that has little or no coverage at all to pay for damages/injuries done to you.