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What if the driver who caused my accident did not have insurance?

A: A driver who causes an accident is responsible for the harm that he or she causes, even if the driver does not carry insurance.  However, unless the person has a lot of property or money in the bank, it can be difficult to collect money from a person who does not have insurance.

However, there are other potential sources of recovery when a driver does not have insurance.  If you, or anyone else in your household, has Personal Injury Protection (PIP) or Uninsured Motorist (UM) insurance coverage, you can make a claim under those policies.  Also, if the vehicle is owned by someone other than the driver, or if the driver was on the job at the time of the accident, then there may be insurance under the owner's or employer's policy.  An experienced car accident attorney can help you determine whether there is any insurance policies that may provide coverage for your claim.

 

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