If you make a claim with your insurer, it might choose to fight the other insurance company for compensation if it finds other driver is at fault. If you decide to fight the at-fault driver’s insurer on your own you’ll need a lawyer — especially if you’ve been seriously injured.

What happens if you have a car accident and no insurance?

If you were the driver who caused the accident and don’t hold insurance, you’ll likely be responsible for covering damages caused to the other driver. This can include the cost of repairing their vehicle, the cost of a rental car while theirs is being repaired, towing fees and the costs associated with replacing any damaged personal property.

Where do I file a claim after a car accident?

In most states, you’d file a claim with the at-fault driver’s insurance company. So if another driver hit you, you’d file the claim with their insurer.

How is the at-fault driver determined in a car accident?

Insurance carriers always determine the at-fault driver in a car accident. Insurance carriers can surcharge your car insurance if you receive a traffic violation for the accident or if you file a claim and are determined at-fault.

What happens if there is no fault in a car accident?

If you reside in a no-fault auto insurance state, then you might not be able to file an option. That’s because in a no-fault state, each driver or that driver’s insurance company is responsible for their own damages and injuries. This is regardless of who was at fault for the crash.

What to do if you have no insurance in a car accident?

Being involved in a car accident is traumatic and stressful enough. But if you have no insurance, it can feel overwhelming. What can you do if you’re not at fault?

What to do if the driver at fault refuses to pay?

If the driver at fault refuses to pay, you may have to initiate legal action against them. Shine Lawyers can help with your car accident compensation claim. Alternately, if the damage is under $5000 (or you’re prepared to accept this figure), you can make a claim with the Financial Ombudsman Service against the other driver’s insurance company.