What Happens If An Uninsured Driver Hits You?
If you’re involved in an accident with an uninsured driver, you’ll likely need to turn to your own insurance provider for compensation. That’s where uninsured motorist (UIM) coverage becomes crucial. UIM coverage helps pay for medical expenses, lost wages, and other injury-related costs if someone without insurance hits you—or you’re a hit-and-run victim. While not mandatory in most states, it’s often offered as an optional add-on by insurance companies.
The Role of Collision Coverage
Another layer of protection is collision coverage, which you can add to your policy at an additional cost. It pays to repair or replace your vehicle in several scenarios:
- You cause an accident
- The other driver is uninsured
- You’re a hit-and-run victim
However, it’s important to note that collision coverage only applies to your vehicle’s damage—not your personal injuries.
Can You Sue an Uninsured Driver?
Yes, you can file a lawsuit and potentially win a judgment against the uninsured driver. But collecting that judgment can be an uphill battle. Many uninsured drivers lack the financial resources to pay, meaning your legal win may not translate into real compensation. In these cases, relying on your own insurance coverage is typically more effective.
Protecting Yourself Before an Accident Happens
You can’t control whether other drivers carry insurance—but you can control your own preparedness. To stay protected:
- Review your insurance policy regularly
- Consider adding uninsured motorist coverage
- Add collision coverage for extra peace of mind
Being proactive ensures you’re not left financially vulnerable after an accident caused by an uninsured or underinsured driver.
Need Help After an Accident? We’ve Got Your Back
Dealing with the aftermath of a car accident is stressful enough—don’t go it alone. If you need help navigating the claims process or getting your car repaired, Sharp Auto Body is here to help. With a reputation for honesty and expert service, we’ll get you back on the road safely and quickly.
Call us today at (847) 526-1343—we’re the shop you can trust!
For more on how to choose an insurance company, click here.
