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What If The At-Fault Driver Doesn’t Have Insurance?


Hi, I’m Jon Ostroff. Thanks for visiting OstroffLaw.com. You’ve clicked on the question what if the at-fault driver doesn’t have insurance. I’m gonna answer that question for you.

It’s not that uncommon these days with the cost of insurance that somebody at fault for a crash is uninsured, or it’s the same as if they leave the scene of an accident and you don’t find out who they are. If you’re in an automobile and you’re injured by somebody that’s uninsured or you don’t know who they are, you can’t find them, they flee, you may have a benefit that can still serve you and there may be other parties that may be able to be brought in to the lawsuit.

First let’s talk about uninsured motorist coverage, and there’s a lotta detail I give on this if you look below and you click on the question about UM and UIM. Uninsured motorist is insurance you buy that protects you against being injured by someone without insurance or someone that you can’t locate. Look at that question, click on it and learn more about that. But that’s insurance you’ve bought or that’s in your household to protect you and your family members against this happening.

Also, when a crash occurs, there’s a lot of other potential sources of recovery to consider. Did the highway play a role in your crash? Was there something about the design of it, a pothole? Was there something about the car that caused you to be more seriously injured that it was supposed to protect you and it failed to? There’s a lot of other factors that need to be considered before deciding that because you were injured by an insured driver that you don’t have a claim. This is really where we can help you and figure out what we can do for somebody in this situation. Many times we can help clients that are injured in this situation by an uninsured driver or an unknown driver. I hope this answers your question, thanks.

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