Drivers are encouraged to carry uninsured and underinsured motorist coverage. If an uninsured or underinsured driver injures you or causes damage to your vehicle, your insurance company will help pay for the expenses you incur, provided you have this type of coverage.

What happens when an uninsured driver gets in an accident?

Accidents where you’re uninsured Legally, at-fault drivers are liable to pay all of the injured party’s damages. The purpose of an insurer is to foot the bill if you find yourself in this unfortunate situation. However, if you don’t have proper insurance, you’ll be left to pay out of pocket.

Will my insurance pay if I am at-fault?

In at-fault accident insurance states, the driver found responsible for causing the accident will be required to pay for all damages — including medical costs and property damage expenses. Paying for those damages are still the responsibility of the at-fault driver.

What happens if someone hits me and I have no insurance?

1. If you’re at fault. If you were the at-fault driver in the accident and you don’t have insurance, you’ll have to pay out of pocket for any damage or injuries you caused — even though you don’t have coverage, the other driver has the right to recover damages from you, meaning they can sue.

What do you do if someone hits your car and they don’t have insurance?

AFCA: for uninsured drivers You can lodge your complaint with AFCA (go to the website: or call 1800 931 678) even after a Statement of Claim has been served on you and even if you have filed a Defence.

What to do if an uninsured driver does not have insurance?

By the same token, if you don’t have uninsured motorist insurance, and the at-fault driver doesn’t have insurance, you only have one option: to file a personal injury claim against the driver. Filing an uninsured motorist claim Notify your insurance company right away if you’re planning to file an uninsured motorist claim.

Can you sue an uninsured driver after a collision?

If you’ve included uninsured or underinsured motorist coverage, your insurance will pay the claim after a collision with an uninsured driver. If you don’t have uninsured motorist coverage on your own insurance policy, you cannot make a claim or recover damages against an uninsured driver.

How does uninsured and underinsured motorist coverage work?

Uninsured and underinsured motorist coverages are policy add-ons that you can choose when you purchase insurance. If you’ve included uninsured or underinsured motorist coverage, your insurance will pay the claim after a collision with an uninsured driver.

Can a negligent driver make an underinsured motorist claim?

Let’s say that the value of your injury case is $200,000, but the negligent driver only has $100,000 of coverage. In that case, you can make an underinsured motorist claim against your own insurer as long as you have more than $100,000 in underinsured coverage.