Your Options When the At-Fault Driver Is Uninsured

Car Accident Lawyer

If you are involved in an accident, once you have ensured that any injuries are taken care of, you should turn your attention to the legal side of things. Whenever you are involved in an accident where another party is at-fault, you should be able to get compensation in one way or another. The primary ways this happens is through the at-fault party’s insurance. Legally, all drivers need to have insurance to cover other cars in the event of an accident, but this does not always happen. Even though it is illegal to drive without it, some do choose not to get the required level of insurance. In this situation, there are three pieces of information you need to know about getting the compensation you are owed:

  • Uninsured Motorist Coverage
  • Filing a Lawsuit
  • No-Fault Car Insurance States

Uninsured Motorist Coverage

In nearly all states, insurance companies are required to offer uninsured motorist coverage. Motorists are never required to get this level of coverage, but it is good to know that it should always be an option. Uninsured motorist coverage provides you with compensation in the event that the at-fault driver does not have insurance. This way, you are guaranteed to get the money you need to take care of any medical bills or repair costs. Of course, it does usually cost a little bit more if you choose to have this kind of coverage. If you are worried about being hit by an uninsured driver, it may be a good idea to have uninsured motorist coverage.

Filing a Lawsuit

If the other driver does not have insurance and you do not have uninsured motorist coverage, your best option may be to file a lawsuit. The other party is breaking the law by being uninsured, so you will have a strong case most of the time. Unfortunately, proving the other party’s fault may be the easy part. If they are uninsured, that may be due to a lack of assets or money. Collecting on your successful lawsuit may be an issue in these cases. Regardless, speaking with a motorcycle accident lawyer in Salt Lake City, UT is a good idea to learn how good an option filing a lawsuit may be.

No-Fault Car Insurance States

Although uncommon, some states are “No-Fault Car Insurance States.” In these states, regardless of who is at-fault, both parties’ insurances pay for their own damages. If you live in one of these states, there is usually no way to get compensation from the other driver. It may be possible if you were seriously injured.



Thanks to Rasmussen & Miner for their insight into personal injury claims and motorcycle accident injuries.