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What do I do if I am hit by an uninsured motorist?

Unexpectedly being involved in a car accident caused by another driver is an unpleasant experience for any motorist. When the victim has suffered injuries and other harm, it can be even more troubling to discover that the negligent driver does not have car insurance. Fortunately, there are options for car accidents victims harmed by an uninsured motorist or underinsured motorist in a car accident.

When a car accident victim has suffered damages as a result of a car accident, the personal injury legal process allows them to bring a claim for damages against a negligent driver that caused the car accident that resulted in the injuries and harm the victim suffered. Typically, insurance companies are involved in the process of compensating victims for the damages they have suffered.

Damages can include medical expenses, lost wages and pain and suffering damages. When a victim has been harmed in a car accident by an uninsured or underinsured driver, they have resources to help them with the damages they have suffered through their own uninsured motorist or underinsured motorist coverage insurance policy. Through a claim for damages, victims may be able to recover compensation for the physical, financial and emotional harm they have suffered.

The process of navigating an uninsured motorist or underinsured motorist claim can be complex and trained guidance along the way can be helpful. Overall, it is important for car accident victims to be aware that the legal process provides a variety of options and protections to help them in different situations when they have been harmed by a negligent driver, including one that is uninsured or underinsured.

Source:, "Uninsured Motorist Insurance Coverage and Claims," Accessed July 20, 2017

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