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What happens if an uninsured driver hits me?

On Behalf of | Dec 23, 2021 | Car Accidents |

The only thing that prevents a car crash from becoming a tragedy is that victims can seek compensation from the driver at fault. The driver’s insurance is the one that pays for the victim’s expenses, so what happens when the driver doesn’t have insurance? In this case, the victim’s insurer can pay for their damages if they have an adequate policy. However, if they don’t, they may have to sue the driver for damages to avoid suffering any losses.

The coverage you need

Drivers in Washington must carry a minimum amount of liability insurance to legally drive in the state. However, some people drive unlawfully without insurance, which is why uninsured motorist coverage exists. This type of coverage pays for the victim’s injuries and car repairs if they get into an accident with someone without insurance.

If you do not have this type of coverage in your policy, you can use your collision or personal protection coverage to pay for your expenses. If none of those coverages are available to you, you may have to pay for your car’s repairs and medical expenses unless you have health insurance. However, in this case, you could file a legal claim against the driver at fault and hold them responsible for your expenses in court.

Fighting back

You don’t deserve to pay for another’s mistake. Because of this, you have the right to sue the driver at fault to get compensation for the losses you have suffered. That way, you won’t have to pay an expensive price for something that was not your fault.