Getting hit from behind can be stressful, but it can be even more so if the driver who hit you doesn’t have insurance. To protect your rights and get paid, you need to know what to do if you get into an accident with a driver who doesn’t have insurance. If someone who doesn’t have insurance hits you from behind, here’s what you need to know.

Claim for a Driver Who Doesn’t Have Insurance

If someone who doesn’t have insurance hits you from behind, the first thing you should do is check to see if your auto insurance policy covers uninsured motorists (UM). If the driver who caused the accident doesn’t have insurance, your uninsured motorist coverage will cover you. If you have UM coverage, it can help pay for the repairs, medical bills, and other costs that the accident caused.

How to Get Paid

You might still be able to get money even if the other driver doesn’t have insurance and you don’t have UM coverage. You might be able to sue the uninsured driver for personal injury in some cases, but it can be hard if they don’t have a lot of money. You could also look at your own insurance policy to see if it covers things like collision coverage. This can help pay for car repairs, no matter who is to blame.

Also, if you live in a state that requires uninsured motorist coverage, your state’s insurance laws may give you some protections or ways to get money after being hit from behind by an uninsured driver. It’s a good idea to call your insurance company or a lawyer to find out what your options are.

Coverage for UM

If you have uninsured motorist coverage, it can be a lot easier to get money after an accident with a driver who doesn’t have insurance. Most of the time, UM coverage pays for medical bills, lost wages, and pain and suffering. It’s a good idea to read over your policy and make sure you have enough UM coverage to keep you safe if you get into an accident with a driver who doesn’t have insurance.

Questions and Answers

If someone who doesn’t have insurance hits me from behind, what should I do?
First, call the cops and get proof. Next, check to see if you have uninsured motorist coverage or any other insurance that might help.

Can I sue an uninsured driver for damages?
You can sue the driver for personal injury, but you might not get much money back if they can’t pay.

What does UM coverage cover?
If the driver who caused the accident doesn’t have insurance, uninsured motorist coverage usually pays for medical bills, car repairs, lost wages, and pain and suffering.

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